How To Make a Zales Credit Card Payment

By John Csiszar

May 11, 2022

Ken Wolter / Shutterstock.com

In 1924, Zales Jewelers began as one store in Wichita Falls, Texas. Today, almost one century later, the company has over 700 locations across North America. Zales’ Diamond Card is part of the reason the jewelry retailer is so popular. It offers perks like a $50 birthday discount, 10% off repairs and services and free standard shipping.

With the Diamond Card, you can shop for your purchases online or at Zales stores. Like other credit cards, interest charges apply to balances not paid in full by the end of the month or promotional period. Plus, if you don’t get your payment in on time, late payment fees may apply. Here’s how to make your Zales credit card payment.

How Do I Pay My Bill?

Zales credit card payments can be made online, by mail, in stores and by telephone. Here’s what you need to know about each method.

How To Make a Zales Credit Card Payment Online

Zales online payments are free. To get started, you’ll need to make an online account with Comenity Capital Bank, the issuer of the Zales credit card, and get a Zales credit card login. Here’s how:

1. Visit the Zales credit card website. Click “Register for Access.” Provide your personal and financial information, like your ZIP code, last four Social Security number digits and your credit card number. Then, choose a username and password.
2. Once, you log in and select “Payments,” you can fill out your bank’s name and routing number and the bank account number you want to use to pay the bill. You can also pay with a debit card.
3. Make at least the minimum payment for that billing period.
4. When you make a payment, it may take up to two days to reflect on your bill or banking statement. However, you won’t be charged a late fee if you make your online payment by 6 p.m. on the due date.

How To Pay Your Zales Credit Card by Mail

If you’d rather pay for your Zales credit card by mail, send the payment coupon and a check to:

Comenity Capital Bank
P.O. Box 659819
San Antonio, TX 78265-9119

How To Make a Zales Credit Card Payment by Phone

To make a Zales credit card payment by phone, call the 24/7 automated payment service at 844-271-2708 and follow the prompts. Make sure to have your Zales credit card number and banking information handy to expedite the process.

Zales Credit Card Payment Dates

When you open a Zales Credit Card, Comenity Capital Bank assigns you a payment due date. You’re allowed to change the due date once every 12 months. However, you can’t pick any date; you’ll have to choose from the available dates that Zales provides. Note that it can take up to two months for your new due date to be reflected on your card statements.

Zales Credit Card Late and Returned Fees

If you don’t make your payment by at least 6 p.m. EST on your payment due date, Comenity Bank can charge up to a $41 late fee to your account. Returned payments are subject to a charge of $41.

This article has been updated with additional reporting since its original publication. Information is accurate as of May 11, 2022.

About the Author

John Csiszar

After earning a B.A. in English with a Specialization in Business from UCLA, John Csiszar worked in the financial services industry as a registered representative for 18 years. Along the way, Csiszar earned both Certified Financial Planner and Registered Investment Adviser designations, in addition to being licensed as a life agent, while working for both a major Wall Street wirehouse and for his own investment advisory firm. During his time as an advisor, Csiszar managed over $100 million in client assets while providing individualized investment plans for hundreds of clients.