Where and how to pay your Zales credit card
Zales credit card payments can be made online through your account, by phone, by mail, or in person at a Zales store. The method you choose depends on how quickly you need the payment processed and whether you prefer to handle it yourself or speak to someone directly.
Online payment through the Zales website or mobile app is the fastest route — payments typically post within one business day. Phone payments go through Zales customer service and also process quickly. Mail and in-store payments take longer: mail payments may take 7 to 10 business days to reach the payment processing center and post to your account, while in-store payments are processed at the register but may take a few days to appear on your statement.
Key Takeaways
- Online and phone payments post to your account within one business day, while mail payments can take 7 to 10 business days.
- You can pay online through your Zales account, by calling customer service, by mailing a check to the address on your statement, or at any Zales store location.
- Your payment due date appears on your monthly statement, and paying by that date avoids late fees and interest charges.
- If you set up automatic payments, your bill is paid on a date you choose each month without having to remember to pay manually.
Paying online or through the mobile app
Log into your Zales account on the website or open the Zales mobile app, then navigate to the payments section. You will enter the amount you want to pay and choose your payment method — debit card, bank account, or credit card. Review the details and confirm the payment.
Online payments are processed when ready, though they may take up to one business day to show on your account. If you are paying close to your due date, check the cutoff time for same-day processing, which typically falls in the afternoon on business days. Payments submitted after the cutoff or on weekends and holidays will process the next business day.
Paying by phone
Call the customer service number on the back of your Zales credit card or on your monthly statement. A representative will ask for your account number, the amount you want to pay, and your payment method. Phone payments are processed the same day if you call during business hours, though they may take one business day to appear on your statement.
Have your debit card, bank account information, or another credit card ready before you call. The representative will walk you through the process and confirm the payment amount and date before processing it.
Paying by mail
Write a check or money order for the amount due and mail it to the address shown on your statement under "Payment Address" or "Make Checks Payable To." Include your account number on the check. Mail payments typically take 7 to 10 business days to arrive and post to your account, so send your payment at least two weeks before your due date if you want to avoid late fees.
Do not send cash by mail. Keep a record of the check number and the date you mailed it in case you need to follow up on a payment that does not post within the expected timeframe.
Paying in person at a Zales store
Visit any Zales location with your credit card or account number and the amount you want to pay. The cashier will process the payment at the register using cash, debit card, or credit card. You will receive a receipt showing the payment amount and date.
In-store payments may take a few business days to post to your account, so do not assume the payment is complete until you see it reflected on your statement. If you are paying close to your due date, ask the cashier when the payment will post or pay online instead to may support it reaches your account on time.
Setting up automatic payments
Automatic payments remove the need to remember your due date each month. Log into your Zales account online, go to the payments or account settings section, and select the option to set up automatic payments. Choose the amount — you can pay the full statement balance, the minimum payment, or a fixed amount — and the date each month when you want the payment to be taken from your bank account or debit card.
You can change or cancel automatic payments at any time through your account. If you set up automatic payments, continue to review your monthly statement to make sure the correct amount is being deducted and to catch any billing errors.
What happens if you miss your due date
If your payment does not post by the due date shown on your statement, Zales will charge a late fee. The amount of the fee varies but is typically between $25 and $40 depending on your account terms. Late payments also trigger interest charges on your remaining balance at your card's annual percentage rate (APR).
If you realize you will miss your due date, contact Zales customer service as soon as possible. Some accounts may have a grace period of a few days, though this is not may provide. Paying as soon as you can after the due date will stop additional late fees from accumulating, though the first late fee will still explore.
Frequently Asked Questions
How do I know if my payment posted to my account?
Log into your Zales account online or check your monthly statement. Your available credit will increase once the payment posts. Online and phone payments typically post within one business day; mail payments take 7 to 10 business days. If a payment does not appear within the expected timeframe, contact customer service with your payment confirmation number.
Can I pay more than the minimum payment?
Yes. You can pay any amount up to your full statement balance whenever you want. Paying more than the minimum reduces your interest charges and helps you pay off the card faster. There is no penalty for paying early or paying in full.
What if I want to dispute a charge on my Zales card?
Contact Zales customer service and explain the charge you believe is incorrect. You do not have to pay the disputed amount while the investigation is underway. Zales will review the transaction and contact you with the outcome, usually within 30 to 60 days.
Is there a fee for paying my bill online?
No. Zales does not charge a fee for online, phone, or in-store payments. Mail payments are also free, though you may pay for postage and a check if you do not have them on hand.
What time does my online payment need to be submitted to post the same day?
Online payments submitted before the cutoff time on business days typically post the same day. The exact cutoff time varies, but it is usually in the afternoon. Check your Zales account or call customer service to confirm the cutoff time for your specific account.