You can make a Zales Credit Card payment online, by phone, by mail or through EasyPay. To pay a Zales Credit Card bill online, log in to your online account and click on "Make a Payment." Then, choose how much to pay, when to pay it, and where the payment is coming from. Comenity does allow cardholders to set up automatic payments, too.

Ways to Make a Zales Credit Card Payment

• Online: Log in to your online account and click on "Make a Payment" or use the EasyPay feature in order to pay your bill.
• By phone: Call 1-800-695-0434 and enter your card information when prompted, then follow the prompts to make a credit card payment.
• By mail: Send a check or money order (but not cash) to

  
  Comenity Capital Bank
  PO Box 183003
  Columbus, OH 43218-3003.

  
  Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.

In conclusion, there are multiple ways to make a Zales Credit Card payment, so just choose whichever method is easiest for you. The important part is to not miss payments, as that can seriously damage your credit score.

No, you cannot use your Zales Credit Card anywhere you want, as you can only use it for purchases at Zales and their affiliates. The Zales Credit Card is a store card, which means that it is not backed by any major credit card network and only works at affiliated locations.

Where You Can Use Your Zales Credit Card   

• Zales
• Zales Outlet
• Gordon's Jewelers
• Banter by Piercing Pagoda

Even though store credit cards...

The starting credit limit for the Zales Credit Card is determined on a case-by-case basis but some cardholders report limits as high as $1,500. The issuer does not include any specific Zales Credit Card credit limit information in the card's terms, though.

For the most part, the Zales Credit Card credit limits depend on each applicant's overall creditworthiness. Those with the highest income and best credit scores will generally be offered the highest starting credit limits.

Keep in mind...

Unfortunately, you cannot get a cash advance with your Zales Credit Card. This card can only be used for purchases and only at Zales and their affiliates.

The fact that cash advances with a Zales Credit Card are not an option might actually be a blessing in disguise. Cash advances with a credit card are very expensive, thanks to a cash advance fee and a separate cash advance APR that apply as soon as you withdraw the cash. There may...

The only way you can check your Zales Credit Card application status is by calling (844) 271-2708. When you call, you'll need to provide your Social Security Number so that the issuer can match you to your application. The issuer does not allow you to check your application status online.

How to Check Your Zales Credit Card Application Status

1. Call (844) 271-2708.
2. When the automated system asks you for your account number, say “I don't have it.”
...

Yes, the Zales Credit Card does a hard pull. You will need a credit score of at least 640 to get it. This means that your credit score must be at least fair, for higher chances of approval.

A hard pull usually causes an applicant's credit score to drop by a few points. Most people's scores, however, bounce back within a few months, with responsible use.

The credit score you need for the Zales Credit Card is 640 or better. That means people with at least fair credit have a shot at getting approved for this card.

You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Zales Credit Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent...