Three Ways to Pay Your Zales Credit Card (2024)

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If you shop at Zales often, 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.

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:

1. 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.
2. 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.
3. 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.
4. 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.