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How To Pay Kay Jewelers Credit Card: Online, Phone or Mail

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Whether you want to buy precious diamonds for your loved one’s birthday or treat yourself to some jewels, it can be daunting when you run out of cash. However, if you have Kay Jewelers credit card, there is nothing to worry about.

The credit card is financed by Comenity Bank. Using a credit card for your jewelry spree often sounds unusual. For this purpose, we created this post to explain how jewelry purchases with Kay Jewelers credit card can help you simplify your jewelry finances.

So if you want to know how to get this credit card and the benefits you will get, keep scrolling!

Benefits Of Kay Jewelers Credit Card

To manage your jewelry payments in a much simple way, you can always rely on Kay Jewelers credit card because of the following benefits.

  • Kay Jewelers starts with the lowest APR of 17%. This might not be the lowest APR, but it is still lower than many stores.
  • Another amazing thing about Kay Jewelers credit card is they do not charge any annual fees.
  • Enjoy special financing on purchases over $300, so you can buy now and pay over time in convenient installments.
  • You don’t have to go to the store to score a great deal; instead, you can shop online and still access a wider selection of jewelry.
  • Being a Kay Jewelers credit card holder, you get first access to promotions and discounts.
  • While others have to pay for jewelry cleaning services, cardholders would have these services free of cost.

Online Account Access

Using a credit card for jewelry shopping would seem frightening because of the complex route to access an online account. With Kay Jewelers credit card login, you can control all of your purchases just from the comfort of your home.

Kay Jewelers Credit Card Login

For new users, you can visit here and provide your account number, zip code, and last digits of SSN. You then have to log in to the site to access your online account. This will also help you manage payments on time and enjoy special rewards.

Register Online

Registration for the Kay Jewelry credit card involves a few simple steps;

  1. You first have to go to this site
  2. Here register yourself by providing the credit card account number, zip or postal code, identification type (SSN, SIN, or AIN), and its last digits.
  3. And that’s it; click continue to proceed.  

Forgot Password

If you can’t access your online account using your username and password, you have to reset your password. Here are some quick steps to do so.

  1. Open up the login page.
  2. Just below the Sign In option, you will see Forgot Username/Password; proceed by clicking this option.
  3. Here you can provide the Username, Zip or Postal Code, Identification Type, and its last four digits.
  4. That’s all, and proceed with the Find My Account option.

Forgot User ID

If you don’t remember your username for Kay Jewelers credit card login, here are steps to recover it.

  1. Go onto the login site.
  2. Select Forgot Username/Password option just under the Sign In option.
  3. On this page, write your Account Number, Zip or Postal Code, Identification Type, and its last 4 digits at the end.

Kay Jewelers Credit Card Services

If you’re a fan of Kay Jewelers, then you might want to consider signing up for their credit card services. With this card, you’ll be able to avail discount on every purchase that you make at Kay Jewelers.

Kay Jewelers Credit Card Bill Pay Phone Number

If you need to pay your Kay Jewelers credit card bill, the best way to do so is by phone. The customer service representatives are very helpful and can answer any questions you may have about your account or payment options. 

The Kay Jewelers credit card bill pay phone number is 1-800-527-8029. You will need to provide your account information and payment method when you call.

Kay Jewelers Credit Card Payment Address

To mail Kay Jewelers credit card payments to the address, prepare a check or money order with the amount you want to pay with Kay Jewelers’ account number. Finally, mail this paper check to this address:

Kay Jewelers, 

PO Box 740425, 


OH 45274-0425

Note: make sure you mail your payments 5 days before the due date.

Customer Service Hours

Customer services at Kay Jewelers is available for help from Monday to Friday, from 9 am till 10 pm. While on Saturdays they are available from noon till 10 pm and on Sundays they are available from noon till 9 pm.

How To Pay Kay Jewelers Credit Card?

If you’re a Kay Jewelers credit card holder, you have a few different options when it comes to making payments. You can pay your bill online, by phone, or by mail.


To pay your Kay Jeweler’s credit card payment online, you must register for Comenity Bank.

  • Register here an account using your email address, name, address, zip code or city, State, and SSN number.
  • Once you register an account, you must link your bank account here using the routing number.
  • Finally, you are ready to make online payments.

By Phone

 It’s easy to pay your Kay Jewelers credit card by phone. Just follow these simple steps:

  1. Dial 1-800-527-8029.
  2. Enter your account number and zip code when prompted.
  3. Choose the option to make a payment.
  4. Enter your payment information and confirm the amount.
  5. Your payment will be processed and you’ll receive a confirmation number.
  6. And that’s it! You’ve successfully paid your Kay Jewelers credit card by phone.

By Mail

Paying your Kay Jewelers credit card bill by mail is easy and convenient. Simply follow these steps: 

  1. Locate your Kay Jewelers credit card statement or account number. 
  2. Find a stamped, self-addressed envelope. 
  3. Write your Kay Jewelers account number on the front of the envelope. 
  4. Include a check or money order for the amount you wish to pay一be sure to write your account number on the check as well! 
  5. Seal the envelope and mail it to: Kay Jewelers, PO Box 740425, Cincinnati, OH 45274-0425. 
  6. That’s it! 
  7. You will receive a confirmation receipt from Kay Jewelers once your payment has been processed.

Via The Mobile App

Kay Jewelers credit card currently doesn’t accept payments via the mobile app. However, you can download the Comenity bank app and link your Kay Jewelers credit card to it. After that, you can make instant payments through this app.

How To Avoid Late Fees?

kay jewelers payment options

If you’re like most people, you probably don’t want to pay any more than you have to on your Kay Jewelers credit card bill. After all, interest charges and late fees can really add up!

Fortunately, there are a few things you can do to avoid paying these fees. Here are a few tips:

  1. Pay your bill on time. This may seem obvious, but it’s important to remember that even if you’re just a day or two late, you could be charged a late fee. So be sure to set up reminders for yourself or use an online bill pay service to make sure your payment is received on time.
  2. If you can’t pay the full balance each month, at least make the minimum payment. Again, late fees can really add up, so it’s important to try to avoid them if at all possible.
  3. If you know you’re going to be away from home and won’t be able to pay your bill on time, call Kay Jewelers credit card customer service and let them know. They may be able to work with you to arrange a different due date or make other accommodations.
  4. Use online banking or mobile banking to keep track of your account balance and make payments. This way, you can pay your bill as soon as you get paid and avoid any last-minute scrambling (and potential late fees).
  5. If you’re ever in doubt about whether or not you can make a payment, call KayJewelers credit card customer service and ask. They may be able to offer you some advice or options that you didn’t know about.

By following these tips, you can avoid paying late fees on your Kay Jewelers credit card bill. Just remember to stay on top of your payments and keep communication open with your credit card company.


Does Kay Jewelers Increase Credit Limit?

As a general policy, Kay Jewelers does not automatically increase credit limits. If you have a good payment history and your account is in good standing, you may be approved for a higher credit limit in the future. Then, you may be able to request an increase by calling customer service or visiting a store location. 

Who Does Kay Jewelers Finance Through?

Kay Jewelers credit card manages its finance through the Comenity Bank. And all of their leasing programs are backed up by Affirm. Comenity Bank is one of the leading credit card issuers in the United States, and they’re known for its great financing options. With a Comenity Bank credit card, you’ll get access to special financing deals, low interest rates, and more.

What Bank Does Kay Jewelers Use?

Kay Jewelers is one of the most popular jewelry retailers in the United States. If you’re a fan of Kay Jewelers, you may be wondering what bank they use. Well, these cards are issued by Comenity Bank. Comenity Bank is a major issuer of store credit cards, and they partner with many popular retailers, including Kay Jewelers. However, Comenity bank only approves users with 640 plus credit scores.

Do Kay Jewelers Do A Hard Pull?

If you’re considering opening a new credit account with Kay Jewelers, you may be wondering if the company will do a hard pull on your credit report. The answer is yes, they do.

When you apply for a new line of credit, the lender will almost always perform a hard inquiry on your credit report. However, this is generally not an issue if you have good credit, as the inquiry will only slightly lower your score, and the impact of a hard inquiry is typically small and short-lived. 

So if you’re considering opening a new account with Kay Jewelers, don’t let the possibility of a hard pull deter you.

Final Thoughts

Overall, the Kay Jewelers Credit Card is a great way to get your hands on some amazing rewards without having to worry about annual fees. If you’re someone who likes to shop at Kay Jewelers often, this card is definitely worth considering. Just be sure to clear out your payments well before the due date, so you don’t incur any late charges. You can also visit ValueWalk to stay up-to-date.