How to Apply to Zales Credit Card

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Apply to a Zales credit card and enjoy the benefits while shopping for fine jewelry. The guide below will walk you thru on how to apply for a Zales credit card.

If you are interested in applying for a Zales credit card, you have meet all of these requirements:

You have to be a US Citizen and living in the United States
Be 18 years old and above
You must have a street address or a rural route address
You must have a U.S. Social Security Number

Step 1: Click on this link to go to the Zales Credit Card application page.

Before starting the application process, take some time to read the Information and Terms associated with the account.

Remember that in the end of the application, you are electronically signing your agreement to these terms and conditions.

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Step 2: Fill in your personal information. It will ask for your name, social security number, date of birth, annual income, and intended purchase amount.

All of these are mandatory except for for MI ( Middle Initial), Suffix, and Intended Purchase Amount.

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Step 3: Under the Contact Information tab, choose whether you want to use your Street Address or your Rural route address for your mailing address.

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Step 4: Fill in the address information, including your email address and phone number.
When all the fields have been filled in, you can click on the Continue button at the lower right hand side corner of the page.

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Step 6: The Zales credit card application is a three step process, and the part that you’ve completed is step 1, proceed to step 2 fill in the information, and on step 3, you should be able to click on submit, and be well on your way to getting your application approved.

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Q: The bank officials offered me to choose online document delivery. Why should I choose it?

During the previous period of time, all the documentation was sent via mail and older customers are accustomed to that way of delivery. However, that is not considered the best option nowadays, since more and more people are receiving their statements and notices online. The advantages of online documentation delivery are that the data is more secure and documentation cannot be lost or stolen, documents are accessible for 24 months, and you can save them directly to your computer. The best thing is that it is free, while those members who want to receive their documents by mail are charged a monthly fee.

Q: Do balance transfers affect my credit score?

Yes, as any other transaction made on your credit card. Even though a balance transfer can save you money in the short term, it affects your credit score. The changes in your credit can be positive or negative change and the transferring of a balance from one credit card to a new card can cause a temporary, small decrease. Nevertheless, a balance transfer can be a good way to pay down credit card debt.

Q: What kind of offer is there in relation to my birthday?

For the new owners of the Zales Credit Card, there is a Birthday offer which means that those accounts opened in their birthday month or in the 2 months prior to their birthday will receive the birthday benefit during your birthday month the following calendar year.