Scheels Credit Card Login, Application, and Customer Service

Scheels Credit Card Login

If you have a SCHEELS credit card and need to access your account online, you can do so easily through the official SCHEELS credit card website. Additionally, you have the option to manage your account using their mobile app for added convenience. Here's how to log in and access your account:

Visit the Official SCHEELS Credit Card Website

Start by opening your web browser and navigating to the official SCHEELS credit card website. You can do this by typing "SCHEELS credit card" into your search engine or directly entering the web address if you have it.

Locate the "Log In" Button

Once you are on the SCHEELS credit card website's main page, look for a prominent red "Log In" button. Click on this button to proceed to the login page.

Enter Your Login Information

On the login page, you'll need to provide your login credentials. This typically includes your username and password. Make sure you enter this information accurately.

Access Your Account

After entering your login information correctly, click on the login or submit button. This will take you to your SCHEELS credit card account dashboard, where you can view your account details, transactions, and perform various account management tasks.

Using the Mobile App (Optional)

If you prefer to manage your SCHEELS credit card account through a mobile app, you can download and install the official app provided by SCHEELS credit card. Once installed, open the app and log in using your credentials. You can then use the app to check your credit card balances, review transactions, make payments, and even sign up for paperless statements and alerts.

Contact Customer Service (If Needed)

If you encounter any issues or have questions about your SCHEELS credit card account, you can always reach out to their customer service team. The contact information, including the phone number, can be found on the back of your credit card. They are there to assist you with any concerns you may have.

Scheels Credit Card Payment

Managing your SCHEELS credit card payments is essential to maintain your account in good standing. SCHEELS offers several convenient methods for you to make payments, ensuring flexibility and ease in keeping up with your credit card bills.  Paying your SCHEELS credit card bill is simple and convenient. Here are the different ways you can make payments:

Online

• Log in to your account online from any device.
• You can schedule one-time payments or set up recurring monthly payments.
• Make sure to pay at least the minimum amount due as shown on your monthly statement.
• You can make payments on the same day they are due, but make sure it's done by 11:59 p.m. CT.
• Payments made before 5:00 p.m. CT will be posted on the same day.

AutoPay

• Enroll your account in AutoPay, and your payment will be automatically deducted on the due date or a date you choose.
• Just link a checking or savings account, set the payment amount, and it will be handled for you.

By Mail

• If you prefer to send your payment by mail, use the envelope provided with your billing statement.
• Allow about a week for your payment to reach the specified address
  • Bankcard Payment Processing, 1620 Dodge Street, Omaha, NE 68197-2210.

By Phone

• You can also make a payment over the phone by calling customer care at 888-295-5540.
• For same-day credit to your account, contact them before 5 p.m. CT, Monday to Friday.
• If it's after 5:00 p.m. CT, consider making your payment online by 11:59 p.m. CT.

Rush Payments

• If you need to rush a payment and want it credited to your account the same day:
• Pay online until 11:59 p.m. CT.
• Call the phone number listed on your billing statement or credit card before 5 p.m. CT, Monday to Friday.

Scheels Credit Card Application

You can apply for a SCHEELS credit card on the official website and await a response to determine if your application is approved. To apply for a SCHEELS credit card, follow these simple steps:

Visit the Official SCHEELS Credit Card Website

Start by opening your web browser and going to the official SCHEELS credit card website. You can do this by typing "SCHEELS credit card" into your search engine or by entering the web address directly if you have it.

Click on "Apply Now"

Once you're on the SCHEELS credit card website, look for the "Apply Now" button, and click on it to initiate the application process.

Provide Your Personal Information

You'll be asked to fill out a form with your personal details. This typically includes your full name, address, phone number, email address, and your social security number.

Enter Employment and Financial Information

In addition to your personal information, you'll need to provide details about your employment and finances. This may include your annual income and your monthly mortgage or rent payment.

Submit Your Application

After completing the application form, review the information to ensure it's accurate, and then submit your application.

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Scheels Credit Card Balance Transfer

If you're looking to transfer a balance to the SCHEELS® Visa® Card, be prepared for the 5% balance transfer fee with a minimum of $10. However, it's a good option if you want a rewards card without an annual fee, as long as you avoid using it for foreign transactions. Your credit score should be above 620 for a good chance of approval. Here's what you need to know:

• Balance Transfer Fee: When you transfer a balance from another credit card to the SCHEELS® Visa® Card, there is a fee of 5% on the amount you transfer. For example, if you transfer $1,000, you would pay a $50 fee. The minimum fee for a balance transfer is $10.
• Foreign Transaction Fees: If you're planning to use this card for transactions outside of the United States, be aware that it charges a foreign transaction fee of 3% for each purchase made abroad. It's not a good choice for international spending.
• Credit Requirements: To be eligible for the SCHEELS® Visa® Card, you typically need a fair or better credit score, usually above 620. If your credit score meets this requirement, you have a good chance of being approved for the card.

Scheels Credit Card Interest Rate 

The SCHEELS® Visa® Card has relatively high APRs, especially for purchases, so it may not be the best choice for individuals who plan to carry a balance. The SCHEELS® Visa® Card comes with interest rates that are higher than the average credit card rates.

• Purchase APR: The card has a variable purchase APR of 22.24%. This means that if you carry a balance on purchases made with the card, you will be charged interest at this rate.
• Balance Transfer APR: If you decide to transfer a balance from another credit card to your SCHEELS® Visa® Card, the balance transfer APR is also 22.24%.
• Cash Advance APR: If you use your card for cash advances, such as withdrawing cash from an ATM, the card has a variable cash advance APR of 27.49%. This rate is even higher, so it's best to avoid cash advances if possible.

This card does not charge a penalty APR if you are late on a payment, which is good news for cardholders.

Scheels Credit Card Limit

When you apply for the SCHEELS credit card, you have the option to request your own credit limit. You can do this by providing a security deposit, and you can increase it in increments of $50. The credit limit you can request ranges from $500 to $5,000.

Additionally, this card comes with a relatively low annual fee of $35.

The good news is that if you maintain a good payment history, you may have the opportunity to graduate to an unsecured SCHEELS Visa Card. This means you could potentially get your security deposit back in as little as 11 months. However, this is subject to credit approval.

To help you manage your credit and build a positive credit history, the SCHEELS credit card provides tools like AutoPay, so you don't forget your payments, and free access to your FICO® Score. These features can assist you in maintaining good credit practices.

Scheels Credit Card Annual Fee

The SCHEELS credit card is great in one important way: it doesn't have an annual fee. This means you won't have to pay a yearly fee just for having the card. It's a good choice for people who want a rewards card without the added cost of an annual fee.

In fact, the card explicitly states that its Annual Fee is $0, which means you won't be charged any money just for having the card. This can be a money-saving feature for cardholders. However, it's important to be aware of other potential fees associated with the card, such as foreign transaction fees, returned payment fees, and late payment fees, as outlined in the provided information.

Scheels Credit Card Customer Service

It's essential to be cautious and not share personal identifying information over the phone, especially if you receive a call claiming to be from SCHEELS or FNBO asking for such information. If in doubt, hang up and call the number on the back of your card. If you need assistance with your SCHEELS credit card, you have several options to get in touch with their customer service:

Phone Support

• You can reach customer service agents 24/7 for various purposes. Here are some contact numbers:
• To report a Lost or Stolen Credit Card: Call 888-295-5540.
• For User ID/Password Help or Technical Assistance: Call 888-467-2217.
• If you have hearing impairment, you can use relay services by dialing 711.
• For general credit card inquiries, call 888-295-5540.

Reporting Suspicious Activity

• If you receive a suspicious email or text pretending to be from SCHEELS credit card, forward it as an attachment to [email protected].
• If you believe your account information may have been compromised, contact them immediately using the phone number on the back of your credit or debit card.

Reporting Fraud

• To report fraud on your account, you can email them at [email protected].
• For expedited assistance, call the Fraud and Disputes Contact Center at 888-530-3626 or the number on the back of your card. This service is available 24/7.