Zales Credit Card is an excellent Credit Card if you've fair to good credit (or higher). Their APR is very high (above 20%. However, their service and fees are worth it. If you are interested to apply, advise on at least aral's maximum credit score. If you are unsure of what your Credit Score is, request a free report, here.
There are also many other great incentives that Zales Credit Card offer to their cardholders. You can save big if you enroll in their annual fee plans. With the annual fee you get to see application material with just a few clicks of the mouse. In addition, if you close your account on the given date, you will be given a refund.
Furthermore, with the Zales Credit Card, if you pay your bill late, they will charge you a late fee. Also, if you become delinquent in making your payments, in most cases they will ban you from using their credit cards again. Their policies are very specific, see application for full details.
The Zales credit card is issued by America's second-largest banks, which is Comenity bank. This bank has been processing more than twenty million accounts per month and has the highest interest rates. It has an ideal mix of services, including a number of convenient options. You can make purchases at over one hundred and sixty stores, as well as online. Your application form is simple and easy to complete.
The best part of the Zales credit card review is that it allows you to use online banking. You can keep up with all of your financial commitments online. The online banking facility is a major attraction to many of the cardholders. Zales even offers an online loan application facility. The loan application can be completed within minutes and is usually approved without a hassle. You do have to pay a small amount of fees, and the credit card has an eighteen-month grace period, which means that you will not be charged any interest charges until your balance is paid in full.
When it comes to getting approved for a credit card with no annual fee, or low APR, the Zales Credit Card has several advantages. The fact that you can get approved and have a card that has no annual fee or APR for the first year makes it an excellent choice. If you fail to make your payments for even one month, you will still be charged interest. However, if you pay your bills on time, your credit score will improve, which means you will likely be eligible for an unsecured card in no time.