Info about Zales Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
%APR34Reviews7Q&AContact
APRWalletHub ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
0% - 16.99% intro APR for 6 - 36 months, 29.99% APR after that
Can't find what you are looking for? Submit your question about Zales Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
The easiest way you can pay your Zales Credit Card is either online or over the phone at (888) 819-1918. Alternatively, you can make a payment via mail.
How to Pay Your Zales Credit Card
Online: Log in to your online account or use the EasyPay feature in order to pay your bill.
Over the phone: Call (888) 819-1918 to make a payment over the phone.
Via mail: To pay your credit card via mail, send a check or money order (but not cash) to the following address:
Comenity Capital Bank P.O. Box 659819 San Antonio, TX 78265-9119
If you choose to make a payment via mail, make sure to always send it at least 5-7 days before your due date.
The starting credit limit for the Zales Credit Card is determined on a case-by-case basis but some cardholders report limits as high as $1,500. The issuer does not include any specific Zales Credit Card credit limit information in the card's terms, though.
Unfortunately, you cannot get a cash advance with your Zales Credit Card. This card can only be used for purchases and only at Zales and their affiliates.
The fact that cash advances with a Zales Credit Card are not an option might actually be a blessing in...
The only way you can check your Zales Credit Card application status is by calling (844) 271-2708. When you call, you'll need to provide your Social Security Number so that the issuer can match you to your application. The issuer does not allow you to check your application status...
Yes, the Zales Credit Card does a hard pull. You will need a credit score of at least 640 to get it. This means that your credit score must be at least fair, for higher chances of approval.
A hard pull usually causes an applicant's credit score to...
The credit score you need for the Zales Credit Card is 640 or better. That means people with at least fair credit have a shot at getting approved for this card.
You should note that while your credit score is an important factor, there are plenty of other things...
Share your insights and review the Zales Credit Card
5
32%
4
12%
3
24%
2
15%
1
18%
3.2
34 reviews
34 reviews
What's Your Rating?
Most Recent
Most RecentMost Useful
Review sort
MARCUS MANCHEGO @marc6981
Report Abuse
1 Star Rating
I setup an autopay in order to fulfill the 6 month promotion. got a text the day after my payment was due telling me that my payment is due?!? called cust svc to see what happened, they couldnt tell me why the autopay didnt take but offered to waive the late payment fee. Next day I see the late payment fee. THis card sucks
show more
show less
Comment
0
0
Luther @jacksonlou83
Report Abuse
3 Star Rating
Verified Customer
My score dropped and so did my limit. Make this payments on time folks. Not a bad card but I only got it for a one-time use. I’m sure they’ll increase my limit as my score goes back up
show more
show less
Comment
0
0
Cheryl @iwillpraisehimalwaz
Report Abuse
1 Star Rating
Verified Customer
Their billing system is pathetic; I paid the final balance mentioned above 7 weeks ago... the customer representatives deny the capability of accessing the account info. I'm done with Zales!!!
show more
show less
Comment
0
0
Maurice @mauricejcity
Report Abuse
1 Star Rating
Verified Customer
They do not update your payment monthly, my info hasn’t updated since I received the card & I make the payments every month for 6 months as part of the special finance program to pay off the balance with 0%
show more
show less
Comment
0
0
Gwyn @gwyns_2
Report Abuse
1 Star Rating
Verified Customer
My card has been paid in full since June 30 2022 and it is still showing a balance on my credit report reached out to company 2 months ago and it is still there
show more
show less
Comment
1
0
John W @piper6626
Get action... Contact the Consumer Financial Bureau (CFB). Send payments via Certified or Registered Mail Return Receipt and with cover letter and account information.
show more
show less
Comment
0
0
Carmen @carmenampier
Report Abuse
5 Star Rating
Verified Customer
Always trying to work for a solution to help me get back on track with my payment. Great customer service when they reach out to me .
show more
show less
Comment
0
0
Brian @brisems
Report Abuse
5 Star Rating
Verified Customer
Customer satisfaction guarantee with an outstanding opportunity towards credit utilization growth potential by all means thank you
show more
show less
Comment
0
0
Mouhamadou @laminefall1982
Report Abuse
3 Star Rating
Verified Customer
This is one of my last favorite credit cards Because they have a higher interest rate and would not take them again unless they willing a better interest rate I’m looking forward to pay this off as soon as possible
show more
show less
Comment
0
0
Angela @bearingle2
Report Abuse
3 Star Rating
Verified Customer
Wont allow you to pay with debit online with out a 9.00 fee . have to call .. Sucks when you have a no check checking account. Have to call and explain each time and get approval
show more
show less
Comment
0
0
Gitana @hawaiibarbee
Report Abuse
3 Star Rating
Verified Customer
I was pleased until i realized that they charge a $9.00 fee everytime you use this card. I dont know why but they do. Other than that, it's just okay.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.
