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The Zales credit card is a store card that comes with a financing offer. When using the Zales credit card, cardholders can choose a no-interest offer in order to finance large purchase. Depending on the total purchase cost, cardholders can select either a 6, 12, 18 or 36-month period to pay off their balance with no interest. There are a lot of stores that offer very similar financing opportunities. Keep in mind, that if you don't make minimum payments, or if you're ever late with a payment, you will be charged high interest. We recommend you to apply for a general bank credit card that comes with a 0% introductory APR on purchases to make your purchase.