Sunday, September 25, 2022

What Bank Is Zales Credit Card

Don't Miss

Q: What Happens If You Dont Pay Your Zales Credit Card

Zales and Jared (Synchrony Bank) Store Card Review. Easy Approval

There are a few things that may happen to you. First and foremost, you are likely to be charged a late fee. Secondly, you may have to pay the full interest rate if you have taken advantage of the free financing period and havent paid it back on time. That may result in an enormous increase of the final sum, considering that the interest rate of this credit card currently stands at 29.99%.

What Others Say About The Zales Credit Card

The most common complaint about the Zales Credit Card is that its customer service is severely lacking. A goodly number of reviewers also found fault with how the credit card’s promotional financing was explained to them in-store, particularly that the card’s deferred interest policy was not disclosed by the sales associate at sign-up.

A review from CreditKarma.com says:

This card is very INCONVENIENT. The website doesn’t allow you to set up MONTHLY autopay. You must manually log in once a month by your due date to schedule a payment. Only one payment is allowed every 30 days!! So users beware if you’re taking advantage of 6 months no interest same as cash! My best advice: use your personal online banking account and schedule monthly auto payments a week before they’re due!! I have several credit cards and ALL of them allow you to set up AUTOPAY!! It’s ridiculous and a SCAM really so that you get hit with all that interest at 29%+ when you don’t pay off and/or monthly late fees because their WEBSITE/CUSTOMER SERVICE stinks. I called to complain and the Comenity associate assured me that AUTOPAY was an option. TOTAL LIE! I scoured all the payment options. ONE TIME PAYMENT, MAIL, or PAY BY PHONE is all that is allowed.

A review from WalletHub.com says:A review from ConsumerAffairs.com says:

Why This Is All Such An Issue

A lot of people dont understand how deferred interest works, so they end up signing up for these programs without even knowing what they are getting themselves into.

Then they miss a payment or dont pay off their balance 100% and the next thing they know, they feel like theyve been blind-sighted with a $2,000 surprise bill.

And then theres a lot of people also dont have experience in dealing with deferred interest or even credit cards in general for that matter.

All it takes is you getting a little sloppy with your record keeping or organization for you to make a simple mistake that could cost you thousands of dollars.

So unless youre a very organized and disciplined person, you may not be the best fit for a deferred interest payment plant.

You can read more about deferred interest here.

Recommended Reading: Ibc Bank Stimulus Check

% Off Any Repair Service When You Use Your Zales Credit Card

I know quite a few people who have purchased or received nice jewelry over the past few years but not many of them have needed repairs. And if they did, the repairs werent that expensive.

So getting 10% off something you will rarely need thats likely not that expensive in the first place, isnt the strongest benefit.

How To Apply For A Credit Card

Zales Diamond Card Review
  • Knowing your credit score and what’s on your credit report can help you determine what products to apply for. If you have fair credit, for example, you may not want to apply for a card that clearly states that only applicants with excellent credit will be approved.
  • If you don’t have good credit, you may find it difficult to get approved for a card with a large sign-up bonus and a lucrative reward structure. Each credit card application ends up on your credit report, so the Nerds recommend using our credit cards comparison tool to find a card that fits your credit profile before applying.
  • If the card allows balance transfers, you may request to have balances transferred from other credit card accounts to the new card.
  • To apply for a credit card in the US, youll need a valid Social Security number and a positive credit history. The best rewards credit cards may require at least three to five years of good credit history, and some more than seven.

Never miss a good chance to get a better Credit Card. Get top Credit Card Notifications from more than 100 Credit Card Categories!

Read Also: Td Bank Declined Overdraft

See What People Are Saying About Comparecards

We are Americas trusted credit card resource. We help over 2.7 million people each month.

CompareCards gives a foolproof way to select a card based on your desired benefits ie: airline miles, cash back or opportunity for balance transfer. Thank you for making a wonderful site to find the right card for me!

Lisa Kress

It is easy to compare cards. I don’t have too much experience, but so far it is easy and hassle free.

Crimson

Comparecards.com was easy to maneuver and held a wealth of information for me and my financial needs. I truly appreciate that sites like this one are available for consumers. Thank you Comparecards.com. A+++

Compare cards made it easier for me to get my finances in order by optimizing my credit utilization into high reward/low costs cards. Finding all the information would have otherwise been very difficult!

Luis Plata

It makes it so easy to compare different credit cards, their perks, as well as their downfalls. It made it simple to find a credit card to fit my needs.

I like where theres an opportunity to easily review and compare different offerings to make an informed decision.

John Scanlon

CompareCards gives a foolproof way to select a card based on your desired benefits ie: airline miles, cash back or opportunity for balance transfer. Thank you for making a wonderful site to find the right card for me!

Lisa Kress

I really like that you can compare cards by viewing the rewards types and I think the info is pretty accurate.

Miliah Paschal

Does Zales Sell Fake Jewelry

Because Zales jewelry items arent made from the most durable materials, they are susceptible to certain levels of force. Some items from the Zales jewelry collection do not look as good as they ought to. Some tend to look as though they are of a lower quality than those that are sold by their competitors.

Read Also: Chase Quickpay Fee

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.

What Is The Zales Account Login

Zales Credit Card Customer Benefits

Zales Credit Card holders are offered with online account sign in services. If you have enrolled for online account access then you can log into your account at the website of the bank. Once the user has logged in he/she will be able to view their credit card transactions online just by signing in.

Once signed in a user can pay their credit card bills, check account balance, view past transaction history, set up account alerts, sign up for e-statements, request for additional products, get customized assistance, explore other banking products and even more.

Recommended Reading: Do Banks Sell Silver Bars

Q: How To Pay Zales Credit Card

There are three ways how you can pay your credit card from Zales, and you can see all of them in the Payment section. The first way is to pay your card online follow the guidelines from the Login section of this Zales credit card review for this purpose. The second way of paying this card is through a phone call: 1-844-271-2708. After all, you can mail your payment to the following address:

San Antonio, TX 78265-9728.

Pros And Cons Of Comenity Bank Credit Cards

If youre loyal to a specific store brand, then Comenity Bank co-branded credit cards may allow you to earn more rewards at your favorite store. But if your shopping isnt restricted to one specific store, then you may find a general cashback rewards card more valuable to you.

Most Comenity credit cards have no annual fees, which means they may be a good way to build credit, especially if your credit history is less than stellar. At the same time, they also tend to come with high interest rates , so itll be important that you pay your bill on time and in full each statement.

You May Like: Bank Of America Checks Order

How To Make A Payment:

Pay online

  • To make an online payment visit the login page. d.comenity.net/zales
  • Sign into your account and you will be directed to the account management console.
  • Once the console opens go to the payments tab.
  • Select a payment option and you can proceed.

Pay via Mail

The user can send the payment check to the following address:

Comenity Capital Bank

Can I Buy A Car With 620 Credit Score

Zales Credit Card Review (Guide in 2020)

To be clear, you can get a car loan with a low credit score. While the exact definitions of these terms vary depending on who you ask, the Consumer Financial Protection Bureau, or CFPB, defines subprime as borrowers with credit scores of below 620 and deep subprime as borrowers with scores below 580.

You May Like: Atm Withdrawal Limit Td Bank

Best Comenity Credit Cards For Travel 2021

Best for home supplies

As an issuer of co-branded credit cards for retailers like BJ’s, Express, J.Crew and Wayfair, Comenity Bank credit cards generally have no annual fees, low credit limits and lax approval requirements. This makes them a popular choice for brand loyalists and people with fair to average credit.

Comenity cards are generally not travel rewards credit cards like ones issued by Chase or American Express, where points can be redeemed for flights or hotel stays. However, with the right Comenity card, you can get a good return on travel-related purchases.

What Is A Store Credit Card

The only difference between store credit cards and regular credit cards is that store credit cards are branded and associated with a specific retailer and its rewards program. Store credit cards offer in-store discounts, allow cardholders to earn and redeem points when making purchases.

There are two basic types of retail store credit card:

  • Open-loop cards: These cards with a Visa, MasterCard or American Express logo in the bottom-right, can be used anywhere.

  • Closed-loop cards: These cards without a Visa, MasterCard or American Express logo only can be used at their co-branded stores, online stores or affiliates.

For example, there are three types of Best buy credit cards, My Best Buy Credit Card, My Best Buy Visa Platinum Credit Card and My Best Buy Visa Card. My Best Buy Credit Card is a closed-loop card, so you can only use it at Best Buy. My Best Buy Visa Platinum Credit Card and My Best Buy Visa Card are open-loop cards, you can use them anywhere that Visa is accepted.

Also Check: What Is Td Bank Overdraft Limit

Zales Card Overall Rating: 17/50

Unlike the vast majority of store credit cards, the Zales Credit Card doesn’t offer cardholders any purchase rewards. Instead, the card’s main focus is special financing. So, given that the financing options available to Zales Credit Card users are the card’s primary offering, you’d think that they would be, well, better.

Unfortunately, the financing deals are only really deals under the right circumstances. For example, if you need longer than 18 months to pay off your purchase, you won’t receive the 0% APR offer, instead paying 9.99% APR for up to 36 months. And each time you use the 12- or 18-month financing options, you’ll be charged a $9.95 transaction fee.

Zales Credit Card

  • 29.99% as of Jul 2019
  • Annual Fee: $0
  • Rewards: Get special financing on qualifying purchases

And it gets worse from there. Unless you can completely pay off your entire purchase amount before the end of your promotional period or you make even one late payment you’ll be charged interest on the entire purchase amount. And that 9.99% rate looks downright generous next to the 29.99% APR you’ll be charged for regular and deferred interest.

Beyond the financing, cardholders do get a handful of other benefits, including free standard shipping for online orders and a $50 off birthday coupon. Cardholders can also receive exclusive coupons, jewelry inspection reminders, and 10% off repair services charged to their Zales Credit Card.

Zales Credit Card Application

#GoDigitalWithIB – Indian Bank Credit Card Portal

Heres a breakdown of the Zales credit card benefit.

  • No down payment Everyday Promotional Plans
  • Receive exclusive cardholder coupons, jewelry inspection reminders and cleaning notifications via email** throughout the year
  • $50 Off a purchase of $149 or more on your birthday
  • Free standard shipping

You can find the Zales credit card application here.

You May Like: Closest Pnc Bank From Here

Can You Finance Jewelry With Bad Credit

Helzberg Diamonds Helzberg Diamonds offers various financing options for jewelry shoppers who have poor credit. Helzberg Diamonds also promotes easy installment plans by Affirm. If you go with the installment payment plan, youll make payments over a period of anywhere between three and 24 months.

Zales Credit Card Reviews

This is Awesome card was very easy to use and also the notification on the app for the card also very useful and also easy to use …

WalletHub is an independent comparison service.

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 . At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

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 issuers responsibility to ensure all posts and/or questions are answered.

You May Like: Wells Fargo Expresssend Limits

Best Comenity Bank Credit Card For Airbnb Hosts

Whether youre driving or flying to your next vacation, staying in a home rental is a popular alternative to staying in a hotel. Airbnb, one of the most popular platforms for vacation home rentals, allows travelers to stay in personal homes with the comforts that a hotel may not offer, like a kitchen. If youre an Airbnb host, youll probably want to make the home youre renting out as comfortable as possible to your guests. Here are some cards that can help:

Zales Credit Card Login

Zales Credit Card Review: Is It Worth It?

Once you have got this credit card, you may sign up for online access. That will allow you to do many things online, including paying your credit card or checking the balance. But for that, you will have to log in to your credit card account each time. In this Zales credit card review, we will show you how to log in to your credit card account.

  • In order to sign in to your Zales card account online, please click on the following button:
  • On the webpage of Comenity and Zales, you will notice the online banking form on the left thats the place where you can make a Zales credit card login.
  • Start accessing your credit card account online by entering your username in the first field.
  • Then, you should type your password in the second field of that form.
  • You are also able to save your username for future sessions you should just check the box near Remember Me.
  • In the end, you can finalize the process by clicking on the Sign In button.
  • If you have done everything correctly, then you will access your credit card account in a moment.

You May Like: How To Withdraw Money From Trust Wallet To My Bank Account

Zales Credit Card Review

The first Zales Jewelers was founded by Morris Zale, William Zale, and Ben Lipshy in 1924. The trio built Zales into a viable chain with its remarkable credit plan that allowed customers to put a penny down and make weekly payments of $1. The company changed hands in 2014, when Signet Jewelers purchased the Zale Corporation. Although Zales currently operates over 700 stores in the US, they began shuttering doors in early 2017.

Given the success of its initial credit plan, it makes sense that Zales has continued the financing tradition through its Zales Credit Card. But while the card’s special financing can be handy to those who make the most of it, the deferred interest model and sky-high APR that come with the card can easily ruin any potential savings.

    | |

Who Issues The Zales Credit Card

Comenity is the parent company of Comenity Bank and Comenity Capital Bank and Comenity Capital Bank issues the Zales Credit Card.

Some report that if Comenity Bank approves you then you might have to put down money at the time of purchase. If Comenity Capital Bank approves you then you should get a standard credit line.

Comenity is also known for issuing various store credit cards, including:

  • Bed Bath & Beyond
  • LOFT
  • And many, many others.

I dont usually hear a lot of great things about the Comenity customer service but Ive never had a personal experience with them.

You May Like: Is Chase Pay The Same As Zelle

More articles

Popular Articles