How to Pay Your Scheels Credit Card Bill: A Step-by-Step Guide

The Scheels credit card issued by First National Bank of Omaha (FNBO) provides great rewards and discounts for loyal Scheels customers But you need to pay your bill on time each month to avoid interest charges or late fees This comprehensive guide will walk through the various ways to pay your Scheels credit card bill.

As a Scheels credit cardholder myself, I’ll share insider tips on making payments quickly and easily Read on for everything you need to know!

Overview of Payment Options for Scheels Credit Card

FNBO offers multiple convenient payment options for your Scheels credit card bill Choose the method that works best for your needs

• Pay online through your account – Fast and easy!

• Pay by phone – Call the automated payment line anytime.

• Pay by mail – Send a check or money order to the payment address.

• Pay in person – Visit a Scheels store customer service desk.

• Auto pay – Set up recurring payments from your bank account.

I’ll now provide step-by-step instructions on using each of these payment options.

Step 1: Pay Your Scheels Credit Card Bill Online

The quickest way to pay your Scheels credit card bill is through the online account center. Here’s how:

1. Go to www.card.fnbo.com and log into your account.

2. Under “Account Services”, click on “Make Payment”.

3. Enter your payment amount and select a payment source such as bank account, credit/debit card, etc.

4. Review the details and submit your payment.

You’ll instantly receive a confirmation email that your Scheels credit card payment was processed. It’s so convenient!

Step 2: Pay Your Scheels Credit Card Bill by Phone

To pay your Scheels credit card bill over the phone:

• Call the automated payment line at 1-800-894-1554. It’s available 24/7.

• When prompted, enter your 16 digit credit card number.

• Follow the voice instructions to enter your payment amount and card details for the payment source.

• A confirmation number will be provided at the end.

It only takes a few minutes to pay your Scheels credit card bill using the automated phone line.

Step 3: Paying Your Scheels Credit Card Bill by Mail

To pay your bill by mail, follow these steps:

• Write your 16 digit Scheels credit card number on your check or money order.

• Make it payable to Scheels Credit Card.

• Mail your payment to:

  Scheels Credit Card
  PO Box 1300
  Omaha, NE 68103-1300

Be sure to mail at least 7-10 days before your due date listed on your statement. Payments received after 5pm local time are credited the next day.

Step 4: Pay Your Scheels Credit Card Bill In Person

You can also pay your bill in person at any Scheels store customer service desk. Locate your nearest store at www.scheels.com/store-finder.

Simply visit the customer service desk during store hours and provide:

• Your 16 digit Scheels credit card number

• Government issued photo ID

• Payment amount

• Payment method such as cash, check, or another card

You’ll receive a receipt showing your in-person payment was applied to your account.

Step 5: Set Up Auto Pay for Your Scheels Credit Card

For easy, automatic payments every month, enroll in Auto Pay through your online account. Here’s how it works:

1. Log into your account and access “Auto Pay Program” under Services.

2. Enter your bank account information you wish to use for automatic payments.

3. Specify the fixed payment amount to withdraw each month on your due date.

4. Review and submit the Auto Pay enrollment form.

Once set up, you don’t have to manually pay your bill every month. It provides peace of mind knowing your payment is always on time!

Understanding Your Monthly Statement

Let’s briefly review what’s included on your monthly Scheels credit card statement:

• Account number

• Statement period

• Minimum payment due

• Payment due date

• Current balance

• Interest charges

• Transactions made that period

• Year-to-date totals

Carefully review each statement and contact customer service immediately if you see any fraudulent or incorrect charges.

Avoiding Late Fees and Penalties

To avoid late fees and interest charges, be sure to pay your minimum payment due by the due date each month. Here are the key costs to be aware of:

• Late Payment Fee – Up to $37 (depends on your balance)

• Interest Rate – 26.99% Variable APR (can fluctuate over time)

Set calendar reminders so you never miss a payment due date. Pay on time consistently to maintain a healthy credit score.

What to Do If You Miss a Payment

If you do miss a payment and receive a late fee, take these steps right away:

• Pay at least the minimum payment due immediately.

• Contact customer service and nicely ask if the late fee can be waived just this one time.

• Review your budget and make adjustments needed to pay on time going forward.

• Set up automatic payments to avoid late payments in the future.

Avoid frequently missing payments which can result in penalty APR of 29.99%.

Scheels Credit Card Account Management Tips

Here are some tips for managing your account properly:

• Check your account online weekly to monitor for fraudulent activity.

• Pay more than the minimum when possible to lower your principal faster.

• Contact customer service immediately if your card is lost/stolen for replacement.

• Notify customer service if your address changes to avoid missed statements.

• Carefully review statements and report any billing errors promptly.

Proper account management prevents headaches and keeps your payment history positive.

Making the Most of Your Scheels Credit Card

As a loyal Scheels customer, be sure to take advantage of all the perks that come with your credit card:

• Earn 5 points per $1 spent at Scheels stores

• Get a $20 reward for every 100 points earned

• Receive 10% off your first day’s purchases

• Get exclusive discounts sent to your email

• Access special financing options on purchases

• Take advantage of price match guarantees

The more you use your card, the more rewards you earn at Scheels! Just be sure to pay your bill on time each month.

Summary of Key Tips for Paying Your Scheels Credit Card Bill

To recap, follow these tips for smooth Scheels credit card payments:

• Enroll in online account access to easily make online payments.

• Sign up for automatic payments to avoid missed due dates.

• Carefully review each statement for accuracy before paying.

• Contact customer service as soon as possible if your card is lost or stolen.

• Pay more than the minimum when possible to save on interest.

• Take advantage of card rewards and benefits for Scheels shoppers.

Frequently Asked Questions about Paying Scheels Credit Card Bills

Here are answers to some common questions about paying Scheels credit card bills:

What is the mailing address to send my payment to?

Scheels Credit Card
PO Box 1300
Omaha, NE 68103-1300

What is the late payment fee amount?

The late fee can be up to $37 depending on your account balance.

How can I get a late payment fee waived?

Contact customer service immediately and politely ask if they can waive the fee as a one-time courtesy. Maintain a positive payment history.

When is my payment due each month?

Your minimum payment is due by the due date listed on your monthly statement, typically around the same day of each month.

Can I pay my bill in person at a Scheels store?

Yes, you can pay at any Scheels customer service desk with cash, check, or another card.

How do I update my billing address if I move?

You can change your address by logging into your online account or calling customer service. Notify them at least 10 days before you move.

What is the interest rate and APR on the card?

The regular variable APR is 26.99%. The penalty APR if you default is 29.99%.