Three Ways to Pay Your Zales Credit Card (2024)

FAQs

How do I make a payment on my Zales card? ›

The easiest way you can pay your Zales Credit Card is either online or over the phone at (800) 695-0434. Alternatively, you can make a payment via mail.

Late Fee: If you do not pay the Minimum Payment by the Due Date, we charge a Late Fee. The fee is $30.00 if you were not charged a Late Fee during the prior six billing periods. Otherwise, it is $41.00. This fee will not exceed the amount permitted by law.

Keep in mind that you can ask to get a credit limit increase by calling customer service at (855) 796-9632 or the number you see on the back of your card.

It offers special financing on purchases of $300 or more

The Zales credit card has an abundance of financing options, depending on the purchase amount. The Zales credit card's terms include: Special financing for six months on purchases of $300 or more. Special financing for 12 months on purchases of $750 or more.

Visit any nearest ATM of your credit card issuer with your debit card, insert your debit card into the ATM kiosk, select credit card bill payment option and follow the instructions to make credit card payment.

You have different options as to how you can pay your bill each month. Typically, you can make manual, automatic, and one-time payments on your credit card company's online cardmember portal. You can make these payments through your debit card or with your bank information using Automated Clearing House (ACH) payments.

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.

Consequences of sending a short payment

In other words, payments below the minimum will almost always be accepted, but your account will still be delinquent. Your account will fall behind however much your payment was short (if your minimum was $50 and you paid $30, your account would be $20 past due).

The credit score you need for the Zales Credit Card is 640 or better.

Can I get a credit limit increase without asking? Yes, it's possible to get a credit limit increase without asking, typically after 6-12 consecutive months of on-time bill payments with a new credit card account.

How can I increase my credit limit on $300? ›

A good credit limit is above $30,000, as that is the average credit card limit, according to Experian. To get a credit limit this high, you typically need an excellent credit score, a high income and little to no existing debt.

5 Steps To Follow for the 15/3 Hack

But in general, here's how you'd approach it: Find your due date or statement date on your credit card statement or your online account. Subtract 15 days from this date. Make a payment on that date—either the minimum amount due or more. Subtract three days from your due date.

Credit card offers are subject to credit approval. The Diamond Credit Card Accounts are issued by Comenity Capital Bank.

No, you cannot use your Zales Credit Card everywhere. 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.

How do I transfer a Credit Card payment to a Credit Card? This can be done through balance transfer, cash, or e-wallet option, where you can transfer the outstanding balance from one Credit Card to another, often at lower interest rates.

Utilizing augmented reality technology and the phone's camera, the app enables women to try on Zales' wide selection of jewelry and then "subtly" drop a hint to their guy.