Pay your Zales credit card online, by phone, or by mail
Zales, the jewelry retailer owned by Signet Jewelers, issues its own branded credit card through Comenity Bank. You can make a payment through Zales' website, by calling their customer service line, by mailing a check, or by setting up automatic payments. The method you choose depends on how quickly you need the payment posted and whether you want to manage it yourself each month or automate it.
Your payment goes to Comenity Bank, which services the card on Zales' behalf. This matters because if you're looking for your account online or need to dispute a charge, you'll be working with Comenity's systems, not Zales directly.
Key Takeaways
- Online payments through Zales' website or Comenity's portal typically post within one to three business days.
- Phone payments can be made by calling Comenity's customer service number, which appears on your statement or Zales' website.
- Mailed payments should be sent to the address on your bill and take seven to ten business days to post.
- Setting up automatic payments prevents late fees if you pay the same amount each month, though you'll still need to monitor your account for changes.
Paying online through Zales or Comenity
The fastest way to pay is online. You can log into your Zales credit card account through Zales' website or directly through Comenity Bank's website. Both routes lead to the same account; Zales simply hosts a portal that connects to Comenity's system.
To pay online, you'll need your account number (on your statement or card) and login credentials. If you haven't set up an online account yet, you can create one using your card number and personal information. Once logged in, select "Make a Payment," enter the amount you want to pay, and choose your payment method — usually a bank account or debit card. Online payments typically post within one to three business days, though Comenity may show the payment as pending immediately.
If you're paying from a bank account, you'll provide your routing number and account number. If you're using a debit card, you'll enter the card details. Either way, keep a record of your confirmation number for your records.
Paying by phone
You can pay by phone by calling Comenity's customer service number. This number appears on your monthly statement and on Zales' website. Have your account number and the payment amount ready before you call.
When you call, a representative will walk you through the payment process and ask for your bank account or debit card information. Phone payments typically post within one to three business days, the same timeframe as online payments. Ask for a confirmation number before you hang up.
Paying by mail
If you prefer to mail a check, write it to Comenity Bank (not Zales) and send it to the address printed on your statement. Include your account number on the check's memo line so the payment gets matched to your account correctly.
Mailed payments take longer to post — usually seven to ten business days from the time Comenity receives it, plus mail transit time. If your payment is due soon, mail is the riskiest option because delays in postal delivery can result in a late fee. Mail your payment at least two weeks before your due date to be safe.
Setting up automatic payments
Automatic payments remove the risk of forgetting a due date. Log into your Comenity account online, go to the payment settings, and select "Automatic Payments" or "Recurring Payments." You'll choose the amount (minimum payment, statement balance, or a fixed amount), the due date, and your payment method.
Automatic payments work well if your balance stays roughly the same each month, but they require monitoring. If your balance changes significantly — for example, if you make a large purchase — your automatic payment might not cover the full amount due. Check your account periodically to make sure the automatic payment is still appropriate for your situation.
What to do if you miss a payment
If your payment is late, Comenity will charge a late fee (the amount depends on your card terms) and may report the late payment to credit bureaus after 30 days. If you realize you've missed a payment, make one as soon as possible to stop additional fees from accruing.
Contact Comenity's customer service if you're having trouble making a payment or if you need to discuss your account. They can sometimes waive a single late fee if you have a good payment history, though this is not may provide. The sooner you call, the better your chances.
Finding your account information
Your Zales credit card statement includes the Comenity customer service phone number, the mailing address for payments, and instructions for online access. If you've lost your statement, you can find this information on Zales' website under their credit card section, or you can call Zales' customer service and ask for Comenity's contact details.
Your account number appears on your physical card and on any statement you receive. You'll need this number for any payment method you choose.
Frequently Asked Questions
How long does it take for my payment to show up?
Online and phone payments typically post within one to three business days. Mailed payments take seven to ten business days after Comenity receives them, plus mail transit time. Payments may show as pending immediately, but won't count toward your due date until they're fully posted.
Can I pay my Zales credit card at a Zales store?
No, you cannot make credit card payments in person at Zales stores. Payments must be made online, by phone, or by mail through Comenity Bank. Zales store associates cannot process credit card payments.
What if I pay more than I owe?
If you overpay, the extra amount becomes a credit on your account and will be applied to your next statement or purchase. You can also request a refund by contacting Comenity, though this may take several business days to process.
Is there a fee for paying online or by phone?
No, Comenity does not charge a fee for online or phone payments. Paying by mail is also free, though it takes longer. Some third-party payment services may charge a fee, but paying directly through Comenity or Zales' website does not.
Can I change my automatic payment amount or date?
Yes, you can log into your account online and adjust your automatic payment settings at any time. Changes typically take effect on your next scheduled payment date. If you need to make a change quickly, call Comenity's customer service.