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Credit Disclosure

†With credit approval for purchases made on the Zales Diamond CardTM. The advertised minimum monthly payment is an estimate of the minimum monthly payment required based on the purchase price of the item, does not include taxes or other charges and is based on the APR for purchases listed below. The actual required minimum payment for your account may be more or less than the amount shown based on: changes in your APR including applications of the default rate, existing balances or making additional transactions, including optional credit insurance fees, and interest and fees billed to the account. You can always pay more than the amount indicated above since the more you pay each month, the quicker your balance will be repaid. See cardholder agreement for details. Credit offers subject to change without notice.

As of December 1, 2014,  APR for Purchases 23.73%. Default Rate APR 27.73% (Rates may vary). Minimum Finance Charge $1.50.