Zales Credit Account Application

Step 1: Application

Credit Card

Cardholder Benefits:

$50 OFF on your birthday


FREE Standard Shipping everyday online

Free standard shipping (3-5 business days) valid for the U.S. and U.S. territories when you use your Zales credit card.


10% OFF any repair service


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Your Personal Information


-Select One-

Why do you need my Social Security number?

We use this information to verify your identity and obtain credit bureau information.

Why do you need my income?

In order to comply with federal law, and to determine factors such as your credit limit, we consider your ability to meet the payment obligations associated with this account. Your income information is part of that consideration.

If you do not wish to have alimony, child support and/or separate maintenance income considered as a basis for repaying this obligation, please do not include it in your Annual Income amount. Married WI Residents only: If you are applying for an individual account and your spouse also is a WI resident, combine your and your spouse's financial information.

Intended Purchase Amount is the amount you plan to spend on your first purchase with this credit card, if you submit an application and your application is approved. Enter as a dollar amount with no dollar sign or decimal like this: 2000 for $2,000.00

Contact Information

To open an account, you must have a street, rural route, or APO/ FPO mailing address, and at least one mobile or alternate phone number. PO Box mailing addresses are not accepted.
-Select One-

By providing your contact information, including any mobile or other phone numbers, you agree to be contacted regarding any of your Comenity Bank or Comenity Capital Bank accounts via calls to cell phones, text messages or telephone calls, including the use of artificial or pre-recorded message calls, as well as calls made via automatic telephone dialing systems or via email.

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The Zales Credit Card account

Become a Zales Cardholder and Enjoy these Exclusive Benefits:

  • Receive exclusive Cardholder only coupons, jewelry inspection reminders and cleaning notifications via email** throughout the year
  • $50 OFF+ on your birthday
  • FREE standard shipping++
  • 10% OFF any repair service when you use your Zales credit card

Plus, Zero Down Payments with Everyday Promotional Plans:

No Interest if paid in full within 6, 12 or 18 months.

Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period or if you make a late payment.*

9.99% APR if paid in full in 36 months.

If the balance is not paid in full in 36 months or if you fail to make any payment when due, regular credit terms will apply and interest will be imposed from the end of the promotional period at the standard, variable Purchase APR of 29.99%, based on the Prime Rate.***


**Valid email address must be provided in-store or online at zales.com.

+Accounts opened in your birthday month or in the 2 months prior to your birthday will receive the birthday benefit during your birthday month the following calendar year. A valid email address must be provided at comenity.net/zales. Accounts must be in good standing.

++Free standard shipping (3-5 business days) valid for the U.S. and U.S. territories when you use your Zales credit card.

*Interest will be charged to your account (at the standard, variable Purchase APR) from the purchase date if the purchase balance is not paid in full within the promotional period or if you make a late payment. Minimum monthly payments are required for this plan during the promotional period. Required minimum purchase. See store for details.  For your purchase made under the 6 months promotional Credit Plan, we will waive the transaction fee of $9.95. For purchases made under the 12 and 18 months promotional Credit Plans, we will add a transaction fee of $9.95 per transaction.****

***If the balance is not paid in full in 36 months or if you fail to make any payment when due, regular credit terms will apply and interest will be imposed from the end of the promotional period at the standard, variable Purchase APR of 29.99%, based on the Prime Rate. Minimum monthly payments for this plan during the promotional period will be the greater of: the amount of the purchase, including the calculated finance charges that will be assessed from the date of the purchase through the end of the promotional period, divided by the number of months in the promotional period, (rounded up to the nearest $1); or $5. Required minimum purchase. See store for details. For your purchase made under the 36 months promotional Credit Plan, we will waive the transaction fee of $9.95.****

****Zales credit card accounts are offered by Comenity Capital Bank which determines qualifications for credit and promotion eligibility. At no time will the minimum payment due be less than $25.00. Minimum Interest Charge is $2.00, per credit plan. Standard, variable Purchase APR of 29.99%, based on the Prime Rate. Subject to credit approval and availability. Account must be in good standing at time of transaction.

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Reward Terms and Conditions

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Important Information About Your Credit Report.

What is a credit report?  A credit report is a record of your credit history. It includes information about whether you pay your bills on time and how much you owe to creditors.

How did we use your credit report?  We used information from your credit report to set the terms of the credit we are offering you, such as the Annual Percentage Rate. The terms offered to you may be less favorable than the terms offered to consumers who have better credit histories.

What if there are mistakes in your credit report?  You have a right to dispute any inaccurate information in your credit report. 

If you find mistakes on your credit report, contact the consumer reporting agency listed below, which is the agency from which we obtained your credit report. It is a good idea to check your credit report regularly to make sure the information it contains is accurate.

How can you obtain a copy of your credit report?  Under federal law, you have the right to obtain a copy of your credit report without charge for 60 days after you receive this notice. To obtain your free report, contact:

How can you get more information about credit reports? For more information about credit reports and your rights under federal law, visit the Federal Reserve Board's web site at www.federalreserve.gov or the Federal Trade Commission's web site at www.ftc.gov.


What you should know about credit scores. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how your credit history changes.


Your credit score as of 01/19/2018: 0


 

We used your credit score to set the terms of credit we are offering you. In the scoring system we used, scores can range from 479 to the best possible score, 898. Please be aware, there are a number of different credit scoring systems available, and each uses a different range of numbers.


Here are the most significant factors in determining your score:

If you have questions about the factors impacting your credit score, we encourage you to contact the consumer reporting agency listed in this letter.

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Your Temporary Account

Credit Card
Name: Temporary Account Number: CVC/CW: Expires On: Temporary Credit Limit: $0

Know how to use your Temporary Account

Please write down the temporary card information below and keep it in a secure place. This information will be unavailable after you leave this page. Use of this temporary credit account number is subject to the terms outlined in the credit card agreement, as amended from time to time.

You may use your temporary Card as if it were your actual credit card with the following restrictions. Once any of the limitations below is met, your temporary account number will no longer be valid for use:

  • You may use this temporary card for up to 3 hours
  • A single transaction cannot exceed $400.00
  • You may use the temporary account number for up to 2 transactions
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