The Zales Diamond Credit Card
Annual Fee: $0
This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.
Here’s the average credit limit of members who matched their The Zales Diamond Credit Card or similar cards.
% of members by credit limit range
The average credit limit for members who have matched with this card or similar cards is $3,785, with $3,000 being the most common.
Here’s the average credit score of members who matched their The Zales Diamond Credit Card or similar cards.
% of members by credit score range
The average credit score for members who have matched with this card or similar cards is 658, with 652 being the most common. Note this is just one of the deciding factors when it comes to getting approved.
Member stats
Updated daily
40.8%
Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.
45 years
Average age of members who matched this card or similar cards.
$90,983
Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.
Member reviews
Most helpful positive review
January 31, 2018
Great Card if used CORRECTLY
— Credit Karma Member
I have had a Zales credit card for over 7 years now. I buy things with the promotional financing off and on and have had NO problems with it. But I use it correctly. It is not hard to figure out that if you don't pay your balance on time that the 26+% interest will come back to get you. It shows very clearly on the statement every month what is accrued if you don't pay it off on time. To avoid that pay it on time! I have never been late on a payment so can't speak to the harrassment, but feel that acting shocked at the interest charge when you don't pay it off within the allotted time is unfair. It is that way with all cards that offer that promotional balance. Look at your other cards people. That is the whole point of offering x amount of time. Budget correctly. It is only "free" money when you do it correctly and wisely. As to the customer service part, I have not had any issues with them, but have not had any issues to contact them about. So this is my review for what it is worth.
Most helpful negative review
November 8, 2023
Disaster
— Credit Karma Member
I have the Zales credit card, I paid in full the amount I owed and have automated payment set up. Recently, after 0 balance, they billed me some $4.00 charge I wasn’t aware of it, didn’t utilize my automated payments, add it $ 39 late fee, didn’t email or call , report to credit , decreased my credit card limit from $3000, to 200 and because of all of that my score from 710 went to 650. Don’ t deal with any cards by Comenity bank they are doing everything to ruin you creditworthiness and reputation.