Where to send or make your Zales credit card payment
Zales credit card payments go to Synchrony Bank, the company that issues and manages the card on behalf of Zales. You can pay online through your Synchrony account, by phone, by mail, or in person at a Zales store. The method you choose affects how quickly the payment posts and whether you need your account number or card number on hand.
Online payment through Synchrony's website or mobile app is the fastest route — payments typically post within one business day. Phone payments take the same time but require you to speak with a representative. Mail and in-store payments take longer and are useful mainly if you do not have online access or prefer a paper record.
Key Takeaways
- Synchrony Bank processes all Zales credit card payments, not Zales itself, so you send money to Synchrony's address or portal.
- Online payment through Synchrony's website or app posts fastest — usually within one business day — and requires your account number.
- Phone payments to Synchrony go through the same day you call but require speaking with a representative and confirming your account details.
- Mail payments should arrive at Synchrony's lockbox address at least five business days before your due date to avoid late fees.
- In-store payments at Zales locations are accepted but may take longer to post than online or phone payments.
Paying online through Synchrony
Log into your Synchrony account at Synchrony.com or through the Synchrony mobile app. Enter your username and password — if you do not have an account set up yet, you will need to register using your Zales card number and the last four digits of your Social Security number. Once logged in, select "Make a Payment" and choose the amount you want to pay.
Synchrony will ask you to confirm the payment method — you can pay from a checking or savings account, or use a debit card. The payment posts to your account within one business day. If you pay before 8 p.m. Eastern time on a business day, it typically posts the next business day. Payments made after 8 p.m. or on weekends post the following business day.
Paying by phone with Synchrony
Call Synchrony's customer service line at 1-800-393-2639 to make a payment over the phone. Have your Zales card number or Synchrony account number ready, along with the bank account or debit card you want to pay from. A representative will confirm your identity and the payment amount before processing.
Phone payments post the same day you call if you call before the cutoff time, which is typically 8 p.m. Eastern time on business days. Payments made after that time or on weekends post the next business day. You will receive a confirmation number at the end of the call — write it down in case you need to reference the payment later.
Paying by mail to Synchrony
Make your check or money order payable to Synchrony Bank. Write your Zales card number or Synchrony account number on the front of the check. Mail it to the address shown on your monthly statement — Synchrony's mailing address changes depending on which processing center handles your account, so always use the address printed on your bill rather than a general corporate address.
Mail payments take five to seven business days to arrive and post. Send your payment at least five business days before your due date to avoid a late fee. If you are paying close to the due date, use online or phone payment instead. Keep a copy of your check or a photo of it for your records.
Paying in person at a Zales store
Visit any Zales location and tell a staff member you want to make a credit card payment. Bring your Zales card or account number and the payment amount in cash or debit card form. The store will process the payment and give you a receipt.
In-store payments may take longer to post than online or phone payments — typically two to three business days. This method is most useful if you do not have online access or prefer to handle the payment face-to-face. Not all Zales locations accept credit card payments, so call ahead if you are unsure whether your nearest store does.
What happens if you miss a payment or pay late
A payment is considered late if it arrives after your due date. Synchrony charges a late fee — the amount depends on your account terms but is typically $25 to $35 for the first late payment. A late payment also appears on your credit report and may raise your interest rate.
If you realize you will miss your due date, contact Synchrony when ready at 1-800-393-2639. Some accounts have a grace period of a few days, though this is not may provide. Paying even a small amount before the due date can sometimes prevent the late fee, though you will still owe the full balance plus interest on the unpaid portion.
Setting up automatic payments
Log into your Synchrony account online and select "Manage Auto Pay" or "Automatic Payments." You can set up automatic payments to cover your full statement balance, a fixed amount, or your minimum payment. Choose the date each month when the payment should be deducted from your bank account — most people choose a date shortly after payday to may support funds are available.
Automatic payments post on the date you select, provided your bank account has sufficient funds. If your account does not have enough money on that date, the payment will fail and you may be charged a fee. You can change or cancel automatic payments at any time through your Synchrony account.
Frequently Asked Questions
How do I know if my payment posted?
Log into your Synchrony account online or through the app and check your account balance and recent transactions. Your payment should appear within one business day of making it online or by phone, or five to seven business days if you mailed it. You can also call Synchrony at 1-800-393-2639 to confirm.
Can I pay my Zales credit card at a Zales store with a different payment method?
Zales stores accept cash and debit cards for in-store payments. They do not accept credit cards or checks at the register. If you want to pay with a check or from a bank account, use mail or online payment instead.
What is the mailing address for Synchrony if my statement does not show one?
Always use the mailing address printed on your monthly statement, as Synchrony uses different lockbox addresses for different regions. If you cannot find it on your statement, call Synchrony at 1-800-393-2639 and ask for the correct mailing address for your account.
Is there a fee to pay my Zales credit card online?
No, Synchrony does not charge a fee for online, phone, or mail payments. In-store payments at Zales also have no fee. You only pay interest on any balance you carry and late fees if you miss a due date.
Can I pay more than my minimum payment?
Yes, you can pay any amount up to your full balance. Paying more than the minimum reduces the interest you owe and helps you pay off the card faster. You can make extra payments at any time through your Synchrony account or by calling customer service.