Zales Credit Card and Store Review
Read Store Review from Zales
Amazing loan deals and benefits await you with Zales Credit Card! Whether during the holiday season or all year-round, Zales Credit Card can definitely help you out. This is a jewelry store credit card that provides low and no-interest payment plans. This is of course as long as you pay your balance off in full and on time.
Zales Credit Card is specifically designed for people who search for a cost-effective way of buying jewelry. There is no small purchase for expensive jewelry and it is very rare for it to go on sale. So for anniversaries, birthdays, or holidays all-year-round, you can always find a way to save on your jewelry purchases.
If you have a credit score that falls under fair to excellent such as 660+, you can qualify for a Zales Credit Card. It has a 26.99% standard rate and offers no credit interest if you pay your entire balance within 6 to 12 months on a minimum purchase of $500—this is only a reward from the card.
Zales Credit Card Fees
- Annual Fee – NONE
- Late Payment Fee – Up to $39
- Returned Payment Fee – Up to $39
PROS
- Low and no-interest payment plans
- No annual Fee
CONS
- High standard APR
0% APR Does Not Mean 0 Payments
Choosing either of the plans requires you to make minimum payments monthly of 3% ($20) of your balance. No matter which is higher, pay off your entire balance within the allotted time. However, just as Zales notes, if you make a minimum payment, it will not pay off your balance in time. If you will not make minimum payments or you have late payments, you will pay an interest (at the 26.99%) that dates back to your purchase date. Make sure that you pay off at least 20% of your balance every month if you chose the $500 option and 10% if you chose a bigger loan.
Why Choose Zales Credit Card?
If you currently need to make big splashes this holiday season through exquisite gifts that you cannot directly pay all at once, Zales credit card is for you. The deals that are offered by Zales jewelry store chains are the perfect solution for you to afford elaborate presents. This is always a great present to give your loved ones and friends. You can use your Zales Credit Card in stores or online. Usually a 27% APR.
Zales Credit Card provides great deals for you to pay off purchases over time. The credit card has a couple of great loan deals that lets you borrow for as long as on year at low or no cost. You can have a 0% loan for 6 months if you are spending more than $500 and put a 10% down. You are also allowed to get a $1,000 no-interest loan that is good for 12 months. This 12-month loan needs you to put the 15% down. You will be charged a $9.95 transaction fee. This is much better than carrying a balance by paying 26.99%.