Are you looking for a unique jewelry item like an engagement/wedding ring, or graduation gift, or something for any other important life event? Don’t worry. Zales Credit Card offers a very generous credit arrangement for you to make your special day even more special!
1. Why Zales Credit Card ?
Zales credit card is basically a diamond store card that provides an excellent opportunity to jewelry purchases. If you are a frequent jewelry buyer and have the ability to pay off your balance quickly, the Zales Credit Card is a best and most convenient option for you.
1.1 How Zales Credit Card Works ?
The issuer of Zales Credit Card is Citibank. It involves a very convenient process to seek approval. You can buy jewelry by using Zales credit card and get 10 percent discount on jewelry repair along with other benefits. However, it has a slightly high APR of 28.99 percent. So, it’s better to pay the due amount within time. Moreover, Zales credit card is only acceptable at Zales stores, online and offline.
1.2 The benefit and limitations of Zales credit card
Zales credit card could be the best option for you in spite of its high ARP if you can take benefit of its strengths while keeping in consideration associated limitations.
1.2.1 Benefits of Zales Credit Card
Zales credit card offers numerous benefits, including:
- Discount of jewelry repairs.
- Easy approval.
- Free of jewelry cost inspection and cleaning.
- No interest charged upon fulfilling terms and conditions.
- No annual fee.
- 60 days’ satisfaction guaranteed.
- Absolutely free shipping to Zales store locations.
- Lifetime diamond commitment.
- Low-interest payment plans that include a “zero percent loan” for 6 months upon spending $500 with 10 % down. Another option is to get $1000 loan with absolutely no interest for 1 year, with 15% down and $9.95 fee for the transaction.
- Free standard shipping.
- $50 discount and a $200 or more purchase on your birthday.
- Limitations of Zales Credit Card.
1.2.2 Besides these all benefits, Zales Credit Card has some limitations also:
- High standard APR.
- Only acceptable at Zales online/offline stores.
- Limited reward programs.
- One major limitation is that if you can’t make the minimum payment on a monthly basis (20% if you have chosen $500 option, and 10 % for any bigger amount) or even if you get delayed, the interest of 26.99% would be charged back from the date of purchase.
|Rewards||All repairs are 10% off.
All Purchases No Interest for: 6 Months $300+ in Purchases with No Downpayment,
*12 Months $1000+ in Purchases with at least 15% Downpayment,
*18 months $5000+ in purchases with at least 20% Downpayment,
36 months on $1,500+ in purchases with at least no Downpayment.
|Telephone||Customer Support – 1(800) 586-6923|
|Mailing Address||Zales Credit Plan P.O. Box 653054 Dallas, TX 75265-3054|
|Cardmember Agreement||click here to views PDF file|
|Cash Advance APR||29.95%|
|Cash Advance Fee||$10 or 5% whichever is greater|
|Late Payment Fee||Up to $35|
2. How to Apply for Zales Credit Card ?
In order to apply for the Zales Credit Card, the procedure to be followed is quite simple. However, before initiating the registration process, consider these points in mind:
- You must be at least 18 years of age
- Must possess a valid photo ID issued by government
- Must have valid SSN
- Should be a US resident
- Should have APO/FPO mailing address or street, rural route
2.1 The Application Process
Visit online Zales store and click on “Apply Now”. You would have to follow three easy steps. The first step would require you to enter the following information into online registration form:
Enter Your Personal information:
- Your First name & Last Name
- Social Security Number
- Date of Birth
- Annual Income
- Intended Purchase Amount
Enter Your Contact information:
- Street Address
- Suite or Apartment
- Zip Code
- Email Address
- Mobile Phone & Altemate Phone
After entering all this information, click on blue button “continue”. You have to agree with the stated terms and conditions and after giving your consent, your application would be forwarded to the concerned department within few minutes. Upon approval of your application, Zales credit card would be issued within 12 weeks.
2.2 The activation process
After approval of your online registration form from the concerned department, you would be issued with an inactivated Zales Credit Card.
In order to activate it, you would be asked to enter your inactivated Zales Credit Card number, validate your shared information and respond to some questions related to security.
3. How to use with Zales Credit Card
3.1 How to Login with Zales Credit Card ?
After successful activation and registration of your online account, you will be provided with User Name and ID to access your panel. In order to log into your panel, click on blue button “Sign in” and enter:
3.2 What to do if I forgot my Users ID or lost my Zales Credit Card?
If you have forgotten your user ID or password, then don’t worry. You can retrieve your lost ID or password by clicking on option “Forgot Username or Password”. A new tab would open, and it would ask you to enter following information:
- Credit card number/username
- Postal code
- Select Identification Type
- Last four digits of your SSN
More Details please follow the link below:
In case you have lost your Zales Credit Card, immediately report the issue by contacting Zales Customer Service at +1 800 5866 923. You may also write the issue and send it to P.O. Box 653054, Dallas, TX 75265-3054
4. Most popular FAQs
Are you confused about some feature of Zales credit card and want an immediate answer to your query ? Well, Zales has provided a platform to its troubled customers where they can find the answer to almost every general question.
These are detailed responses to the most asked questions by Zales Credit Cardholders and customers. In case, you have any specific or technical query that you can’t locate among stated responses. Then, you can contact Zales customer service.
5. How to Cancel Zales Credit Card?
In order to cancel your Zales Credit Card, contact the Zales customer service at +1 800 5866 923 and notify the issue.
Moreover, you would be required to notify the concerned authorities via a written cancellation request using the stated address on the Zales Credit card.
Mention your account number, full name, and address. Your request would be proceeded to the associated bank and within specified time. Your account would be closed provided you have cleared all dues and balance.
6. Zales credit card reviews
Customers don’t have given a very high rating to Zales Credit Card due to its limited benefits and very high APR. Moreover, they have complained about the slow customer service and delayed response. On another hand, a few people have given full five stars for its offered benefits and interest-free loan offerings.
More Details please follow the link below:
Overall, Zales Credit Card is the perfect choice for you only if you are a frequent buyer of jewelry items and can pay back the due amount in time. Otherwise, high charges and extremely high APR can deter you from registering for a Zales Credit Card.