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If you shop at Zalesoften, it might be a good idea to get a Zales Credit Card. There are various benefits you can receive, such as special financing options, free standard shipping, 10% off repair services, and a $50 birthday discount.
However, if you want to use one, you have to know how to pay your Zales credit card bill on time. Continue reading to find out the different ways you can make a credit card payment with Zales.
Zales credit card payments can be made online, via mail, or on the phone, but cannot be made in store.
View the latest Zales Promotions here in comparison to other jewelry offers from Blue Nile, James Allen, Whiteflash, and Ritani. Compare the Zales credit card to our list of thebest credit card offers.
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Table of Contents
How to Make a Zales Credit Card Payment Online
In order to make a Zales credit card payment online, you will need to set up an online account with Comenity Capital Bank, the issuer of the Zales credit card. Then, you will be able to get a Zales credit card login. Here is how to do so:
Go to theZales credit card website. Click “Register for Access” at the top of the page. You will need to provide personal and financial information such as your ZIP code, the last four digits of your Social Security number and your credit card number. In the last step, you can choose a username and password.
Once you’ve established your online account, you’ll have to link a bank account as a payment source. You’ll need your bank name,routing numberand your checking account number.
When you’re ready to make a payment, choose the amount that you wish to pay. You can choose the minimum amount due, your entire statement balance or any amount in between.
To avoid late fees, you’ll have to submit your online payment by 8 p.m. ET on your due date. Payments made before this time are credited to your account the same day. However, you can expect the actual transfer from your bank to take up to two business days.
With this form of payment, it may take up to three days for the money you paid to be shown in your account balance, but the date you submitted payment will apply.
How to Pay Your Zales Credit Card by Mail
Another method of payment is paying by mail. This form does typically take longer to be received, so you must be sure to send it early. You can send your payments to the following address:
Comenity Capital Bank
P.O. Box 659819
San Antonio, TX 78268-9119
When you send your payment through mail, the date that the payment was received is what will be processed. Be sure to send your payment early to avoid any late fees.
How to Make a Zales Credit Card Payment by Phone
If you need to make a payment immediately, you can call the Comenity Capital Bank Zales credit card payment number at 844-271-2708. You will be connected to an automated system.
In order to access your account you will need to enter your Zales credit card number or Social Security number. Then, you will be able to make payments just by providing your bank information and the amount you would like to pay.
Zales Credit Card Payment Dates
When you first open a Zales credit card, Comenity Capital Bank will assign you a payment due date. It is possible to change your payment date, but you must meet certain criteria: be in good standing and cannot have changed your payment date in the past 12 months.
Zales Credit Card Late Fees
If you would like to avoid paying late fees, be sure to make your payment by at least 8 p.m. ET on your payment due date. Otherwise, Comenity Bank will charge a $27 late fee. If you make another late payment within six months, the fee will go up to $38.
Bottom Line
The Zales Credit Card is perfect for anyone who shops there frequently. You can earn so many great perks, but you must know how to pay it. There are so many ways you can do that, such as paying online, by mail, and by phone!
For more information on Banking, check out the rest of our bank guides right here on HMB! You can also read on the latest Zales Promotions or Credit Card Bonuses.
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Online: Log in to your online account and click on “Make a Payment.” By phone: Call 1-800-695-0434 and enter your card information when prompted, then follow the prompts to make a credit card payment. Through the mobile app: Log in to your account and select your card, then tap “Make a Payment.”
The snowball method has you pay toward your smallest debt first until that card is completely paid off. You then move on to the next smallest debt and the next smallest after that.
When you have a credit card, most people usually make one payment each month, when their statement is due. With the 15/3 credit card rule, you instead make two payments. The first payment comes 15 days before the statement's due date, and you make the second payment three days before your credit card due date.
For any questions, please call Comenity Capital Bank at 1-800-695-0434 (TDD/TTY: 1-888-819-1918) or visit and go to the help page and select transactions and statements.
You can use internet banking, NEFT, mobile wallets, auto debit facility, or ATMs to pay your bill online. Alternatively, you can pay your credit card bill offline by visiting your issuer's bank branch or using an ATM.
With this method, you'll make three payments: One payment 15 days before your statement date. One payment three days before your statement date. The remaining balance by your payment due date.
If you pay your credit card twice (or more), then it will only affect your credit score positively. It will also help us to: Avoid late fees and penalties.
Using the 15/3 credit card hack to boost your credit score. The 15/3 credit card hack suggests making two payments per billing cycle: one 15 days before the due date and another three days before.
To pay a Zales Credit Card bill online, log in to your online account and click on “Make a Payment.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Comenity does allow cardholders to set up automatic payments, too.
We will not charge you interest on purchases if you pay your entire balance by the due date each month. If you do not, you will not get a grace period on purchases again until you pay the entire balance by the due date for two billing periods in a row. If you are charged interest, the charge will be no less than $3.
You can only use this card at Zales and their affiliates. The only store cards that can be used anywhere are the ones belonging to a major credit card network, which grants them worldwide acceptance. Here's where you can use the Zales Credit Card: At Zales stores and Zales.com.
The best way to pay credit card bills is online with automatic monthly payments deducted from a checking account. This minimizes the chances of missing a credit card payment due date, and it can also help cardholders avoid interest charges, depending on the type of payment scheduled.
To get started, list your account balances in order from lowest to highest. Set up your budget to pay the minimum on all your credit card accounts except the one with the smallest balance. For that balance, put as much extra money as you can toward paying it off each month.
If you pay the minimum balance on your credit card, it takes you much longer to pay off your bill. If you pay more than the minimum, you'll pay less in interest overall. Your card company is required to chart this out on your statement, so you can see how it applies to your bill.
When contactless payments are not an option, consider using a chip-and-PIN credit card, also called an EMV-enabled credit card. Instead of swiping your credit card to make a payment, you dip your card into the payment terminal instead. Sometimes, you may even be prompted to enter a PIN to verify card ownership.
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