Pay your Zales credit card online, by phone, or by mail
Zales credit cards are issued by Synchrony Bank. You can make a payment through the Synchrony website, the Synchrony mobile app, by calling Synchrony customer service, or by mailing a check to the address on your statement. Most online and phone payments post within one business day. The method you choose depends on how quickly you need the payment to reach your account and whether you prefer digital or traditional payment.
Your minimum payment and due date appear on your monthly statement. Paying only the minimum leaves you carrying a balance that accrues interest, so paying the full statement balance stops interest from building. If you miss a payment, Synchrony typically reports it to credit bureaus after 30 days past due.
Key Takeaways
- Synchrony Bank processes Zales credit card payments and accepts them online, by phone, by mail, or through automatic recurring payments.
- Online and phone payments usually post within one business day, while mailed checks take 7 to 10 business days to arrive and process.
- You can set up automatic recurring payments so your minimum payment or a fixed amount withdraws from your bank account on the same date each month.
- Your statement shows your minimum payment, current balance, interest rate, and due date — paying the full balance stops interest charges.
Pay online through the Synchrony website or app
Go to mysynchrony.com and log in with your username and password. If you do not have an account yet, select "Register" and follow the prompts to create one using your card number and personal information. Once logged in, select "Make a Payment" or "Pay Now" from the dashboard.
Enter the amount you want to pay and choose the bank account you want the payment to come from. Synchrony will ask you to confirm the payment amount and your bank details before processing. The payment posts to your Zales account within one business day. You can also use the Synchrony mobile app (available on iOS and Android) to make a payment the same way — search for "Synchrony" in your app store, read it, and log in with the same credentials.
Pay by phone with Synchrony customer service
Call Synchrony at 1-800-925-7986 to speak with a representative. Have your Zales card number and the bank account you want the payment to come from ready. The representative will confirm your identity, ask how much you want to pay, and process the payment over the phone.
Phone payments also post within one business day. This method works well if you prefer speaking to a person or if you do not have internet access. Customer service is available seven days a week, though wait times may be longer during peak hours.
Pay by mail with a check or money order
Write a check or money order for the amount you owe and include a payment stub from your statement if you have one. The stub shows your account number and helps Synchrony route the payment correctly. Mail it to the address listed on your statement under "Payment Address" — this address is different from your billing address.
Mailed payments take 7 to 10 business days to arrive and process, so send your payment at least two weeks before your due date to avoid a late payment. Include your account number on the check itself if you do not have a payment stub. Keep a record of the check number and amount for your records.
Set up automatic recurring payments
Automatic payments withdraw money from your bank account on a date you choose each month, so you never miss a due date. Log into mysynchrony.com, go to "Account Settings" or "Manage Payments," and select "Set Up Autopay." Choose whether you want to pay your minimum payment, a fixed dollar amount, or your full statement balance each month.
Provide your bank account number and routing number, then choose the day of the month you want the payment to come out. Synchrony will confirm the setup and send you an email receipt. You can change or cancel automatic payments anytime through your account dashboard. This method is useful if you want to avoid late fees and do not want to remember your due date each month.
What to do if you cannot pay by the due date
Contact Synchrony as soon as you know you will miss a payment. Call 1-800-925-7986 and explain your situation to a representative. They may be able to work with you on a payment plan or discuss options, though they cannot waive late fees or interest charges.
A payment that arrives after your due date triggers a late fee (the amount varies) and may raise your interest rate. If you are more than 30 days late, Synchrony reports the missed payment to credit bureaus, which can lower your credit score. Paying as soon as you can after a missed payment limits the damage, but preventing the miss in the first place is always better.
Understanding your statement and balance
Your Zales statement shows your previous balance, new charges, payments received, interest charged, minimum payment due, and current balance. The statement balance is what you owed on the date the statement closed. The current balance includes charges made after the statement closed and is what you actually owe today.
If you pay only the minimum, the rest of your balance carries forward to next month and accrues interest at your card's annual percentage rate (APR). Paying the full statement balance by the due date stops interest from building. Paying more than the minimum pays down your balance faster and costs less in interest over time.
Frequently Asked Questions
How do I know if my payment went through?
Log into mysynchrony.com and check your account dashboard — it shows recent payments and their status. You can also call 1-800-925-7986 to confirm. Online and phone payments show as "pending" for one business day, then move to "posted" once they are applied to your account.
Can I pay my Zales card at a store?
No, you cannot pay at a Zales store location. Payments must go through Synchrony Bank online, by phone, by mail, or through automatic recurring payments. Zales stores can help you with card questions, but they do not process payments.
What happens if I pay late?
A late payment triggers a late fee and may increase your interest rate. If you are 30 or more days late, Synchrony reports it to credit bureaus, which can lower your credit score. Paying as soon as you can after a missed due date limits the damage to your credit.
Can I change my due date?
Contact Synchrony at 1-800-925-7986 to request a due date change. Representatives can usually move your due date to a different day of the month to match when you get paid or when other bills are due. Changes typically take effect on your next statement.
Is there a fee to pay online or by phone?
No, Synchrony does not charge a fee for online or phone payments. Mailed payments are also free. Automatic recurring payments have no fee either. The only charges are late fees if you miss a due date and interest if you carry a balance.