If you’re a frequent shopper at Zulily, the Zulily Credit Card can offer exclusive discounts and early access to sales. However, managing payments and avoiding late fees can sometimes be confusing. This comprehensive guide walks you through how to make a Zulily Credit Card payment, what to do if you miss one, and how to manage your account responsibly.
What Is the Zulily Credit Card?
The Zulily Credit Card is a store-only credit card issued by Synchrony Bank. It is designed for frequent Zulily shoppers, offering benefits such as:
- Exclusive Cardholder Discounts: Access to special sales and promotions.
- Early Access to Sales Events: Get a head start on limited-time offers.
- Convenient Financing: Special financing options for qualifying purchases.
- No Annual Fee: Enjoy the benefits without an annual fee.
Please note that the Zulily Credit Card can only be used for purchases on Zulily.com, making it a closed-loop card.
How to Make a Zulily Credit Card Payment
💻 Online Payments
To pay your Zulily Credit Card bill online:
- Visit the Zulily Credit Card Account Center.
- Log in using your username and password.
- Select “Make a Payment.”
- Choose your payment amount (minimum, full, or custom).
- Confirm and submit the payment.
📬 By Mail
To pay by mail:
- Mailing Address:
Synchrony Bank
Zulily Credit Card
P.O. Box 659834
San Antonio, TX 78265-9134
- Payment Instructions:
- Include your account number on the check or money order.
- Allow sufficient time for mail delivery to ensure timely posting.
☎️ By Phone
To make a payment over the phone:
- Customer Service Number: 1-855-597-4790
- Follow the prompts to make a payment via the automated system or speak with a representative.
🔁 Automatic Payments
You can set up recurring payments to ensure you never miss a due date. Log in to your online account and navigate to the payment settings to enable autopay.
Zulily Credit Card Payment Options
- Online Account Management: Access your account anytime to view balances, make payments, and manage settings.
- Scheduled or Same-Day Payments: Schedule payments in advance or make same-day payments to meet due dates.
- Paper Statements vs. Paperless Billing: Opt for paperless billing to receive electronic statements, reducing clutter and ensuring timely access.
- Payment Posting Timeframes: Payments typically post within 1–2 business days. Plan accordingly to avoid late fees.
Payment Due Dates and Late Fees
- Grace Period: The Zulily Credit Card offers a grace period of at least 23 days after the close of each billing cycle. Paying your entire balance by the due date ensures you avoid interest charges on new purchases. apply.syf.com
- Late Payment Fee: If the total minimum payment due is not received by 5 p.m. (ET) on the due date, a late fee will be charged. The fee is:
- $30 if you have paid your total minimum payment due by the due date in each of the prior six billing cycles.
- $41 if you have failed to pay your total minimum payment due by the due date in any one or more of the prior six billing cycles. apply.syf.com
Benefits and Drawbacks of the Zulily Credit Card
✅ Benefits
- Exclusive Discounts: Access to special sales and promotions.
- Early Access: Get a head start on limited-time offers.
- Convenient Financing: Special financing options for qualifying purchases.
- No Annual Fee: Enjoy the benefits without an annual fee.
❌ Drawbacks
- High APR: The APR for purchases is 32.24%. apply.syf.com
- Limited Usability: Can only be used for purchases on Zulily.com.
- No Universal Rewards: Does not offer a general rewards program.
- Deferred Interest Risk: If you don’t pay in full by the due date, you may incur deferred interest charges.
What to Do If You Miss a Payment
- Contact Customer Service: Call 1-855-597-4790 as soon as possible to discuss your options.
- Understand Potential Consequences: Late payments can lead to late fees and may negatively impact your credit score.
- Get Back on Track: Pay at least the minimum due, set up payment reminders, and consider enrolling in autopay to avoid future issues.
Alternatives to the Zulily Credit Card
If you’re considering other options, here are some alternatives:
- Store Cards with Broader Usability:
- Low-Interest Credit Cards:
- Buy Now, Pay Later Services:
FAQ Section
1. Who issues the Zulily Credit Card?
The Zulily Credit Card is issued by Synchrony Bank.
2. Can I make my Zulily payment online?
Yes, you can make payments online through the Zulily Credit Card Account Center.
3. What happens if I miss a payment?
Missing a payment may result in late fees and could negatively impact your credit score.
4. Can I pay my Zulily bill by phone?
Yes, you can make a payment by calling 1-855-597-4790.
5. Does the Zulily card offer rewards?
The Zulily Credit Card offers exclusive discounts and early access to sales, but it does not offer a general rewards program.
6. Is there a mobile app for payments?
While there isn’t a dedicated mobile app, you can access the Zulily Credit Card Account Center through your mobile browser to manage your account and make payments.
Conclusion
Managing your Zulily Credit Card payments is straightforward once you understand the available methods and timelines. By paying on time, monitoring your statements, and leveraging Synchrony’s online tools, you can enjoy the benefits of your Zulily Credit Card while maintaining a healthy credit profile.
Emma Rose is a U.S.-based personal finance writer and a regular contributor at Cardix.us. She focuses on topics like credit cards, credit scores, and everyday money management. Emma’s writing makes complex financial concepts simple and practical, helping readers make smarter credit and spending decisions with confidence.
