Read this first: The Zulily credit card was issued by Synchrony Bank and was tied to the original Zulily, which announced an orderly wind-down of its business on 22 December 2023. If you still hold a balance on that card, the single most important thing to know is this: a retailer closing does not cancel what you owe. The balance remains payable to Synchrony. Contact Synchrony on 1-866-419-4096 or through mysynchrony.com to check your account status, make a payment or confirm whether the account has been closed.
Last verified: 10 September 2026. The card issuer (Synchrony Bank), the December 2023 wind-down of the original Zulily, the subsequent changes of brand ownership and Synchrony’s current contact details were checked on this date. Only Synchrony can confirm the status of an individual account, and account terms can change without notice — treat this page as background and call them for anything specific to your account.
What Happened to Zulily and Its Credit Card
The brand name still exists, but it has changed hands more than once, and the business that issued this card is not the business trading under the name today. The distinction matters if you are trying to work out what happened to your account.
| When | What happened |
|---|---|
| 22 December 2023 | Zulily announced an orderly wind-down and closed. |
| 2024 | Beyond Inc. acquired the Zulily brand and intellectual property and relaunched the site. |
| March 2025 | The site ceased operations again. Beyond sold a majority stake to Lyons Trading Company, the parent of Proozy, retaining a minority holding. |
| Since 2025 | zulily.com trades again under Lyons Trading Company, in a flash-sale format. |
The important point for cardholders: the Synchrony-issued Zulily credit card belonged to the original business. There is no indication that the card programme was revived along with the brand name. If you are shopping on the current zulily.com, treat it as a separate retailer rather than assuming your old card or rewards carry over.
For the fuller story of the brand’s collapse and relaunches, see our separate write-up on what happened to Zulily.
Your Balance Is Still Owed — What to Do Now
This is the part that matters most, and it is where people get caught out. When a store closes, the store card debt does not disappear with it. The lender is the bank, not the retailer, and Synchrony remains entitled to be paid.
Work through these in order:
- Find out whether your account is open or closed. Call Synchrony on 1-866-419-4096, or sign in at mysynchrony.com if you already have online access. Synchrony notified cardholders about deactivation, but notices go astray, especially if you moved.
- Get the exact payoff balance, including any interest still accruing. A closed account can still accrue interest on an outstanding balance.
- Make the payment or set up a plan. Paying in full is cleanest. If you cannot, ask what arrangements are available — that conversation is far better had early than after a missed payment.
- Get written confirmation once the balance is cleared. Keep it. It is your evidence if the account is later reported incorrectly.
- Check your credit report a month or two later to confirm the account shows as paid and closed.
How to Contact Synchrony About a Zulily Card
| What you need | Contact |
|---|---|
| General Synchrony customer service | 1-866-419-4096 |
| Manage a Synchrony store card online | mysynchrony.com |
| Card servicing number on your card | Use the number printed on the back of your card or on your statement first — it routes to the right team |
If you no longer have the card or a statement, the general number above is the right starting point. Have your Social Security number and previous address ready, since without a card number they will need those to identify the account.
Did Your Account Continue at QVC or HSN?
Zulily was part of the Qurate Retail group alongside QVC and HSN before it was sold, and reporting at the time of the wind-down indicated the card could be used at those retailers too. That raised the possibility that some accounts stayed open rather than being closed outright. We cannot tell you what happened to your individual account — only Synchrony can. If you shopped at QVC or HSN, it is worth asking specifically whether your account remained active for those brands when you call.
Signing In to a Synchrony Account
If your account is still open, or you need access to statements and payoff figures, Synchrony’s consumer portal is where you do it. The steps below apply to Synchrony store card accounts generally.
Registering for Online Access
- Go to mysynchrony.com and choose to register.
- Enter your account number and the identifying details requested, typically date of birth, the last four digits of your Social Security number and your ZIP code.
- Create a user ID and password, and set your security questions.
- Confirm your email address so statements reach you.
Signing In
- Open mysynchrony.com.
- Enter your user ID and password.
- Complete the verification step if you are asked for a one-time passcode.
If You Cannot Get In
- Credentials rejected: details must match exactly what the bank holds. An old ZIP code is the most common mismatch.
- Account not found: a closed account may no longer be visible in the portal even though a balance exists. Phone is the reliable route in that case.
- Locked out: repeated failed attempts lock access, and this cannot be reset from the login page. Call to have it unlocked.
- Page will not load: clear cache and cookies, try another browser, and switch off any VPN, which banking portals routinely block.
What a Closed Store Card Means for Your Credit
A store card closing is not automatically bad for you, but it is worth understanding what changes:
- Your available credit falls. If the card carried a meaningful limit, closing it reduces your total available credit and can raise your credit utilisation ratio, which may nudge your score down even though you did nothing wrong.
- The account history usually remains. Closed accounts in good standing typically stay on your credit report for years and continue to contribute to your length of credit history.
- An unpaid balance still damages you. Missed payments on a closed account are reported like any other, and the retailer’s closure is not a defence.
- Check the reporting. Make sure the account is reported as closed and paid rather than delinquent or charged off.
Our guides on improving your credit score, whether an inactive card hurts your score and building a good credit history cover this in more detail.
Watch for Scams Aimed at Former Cardholders
A defunct retailer is useful to fraudsters, because cardholders are already confused about who to pay and what happened to their account. Be careful with:
- “Settle your Zulily account today” calls, texts or emails. Debt-related pressure with a deadline is the classic pattern. Hang up and call the number on your statement or the general Synchrony line instead.
- Requests for a one-time passcode, full card number or Social Security number from someone who contacted you. A genuine bank will not ask that way.
- Payment demands via gift card, wire transfer or a payment app. No legitimate lender collects that way. This is a reliable single tell that a demand is fraudulent.
- Look-alike login pages. Type mysynchrony.com yourself rather than following a link. Our guide to safe online shopping and our breakdown of a package-tracking text scam show how convincing these have become.
If you are unsure whether a debt claim is genuine, you are entitled to ask for it in writing before paying anything. A real creditor will provide that; a scammer will resist it.
What the Card Used to Offer
For reference, and because people still ask what happened to their rewards: the Zulily credit card was a store-branded card aimed at regular Zulily shoppers. It offered the things store cards typically offer — promotional discounts, early access to sales, occasional promotional financing, and points earned on purchases that could be redeemed as store credit.
All of that was tied to the original retailer. With the wind-down, store credit and points had nowhere to be spent. If you are holding rewards you never used, they are almost certainly gone, and Synchrony is the only party who can tell you definitively. It is worth asking when you call, but it is not worth delaying a balance payment over.
Looking for Other Store Card Guides?
If you came here for a card that is still active, these are current: the TJ Maxx credit card, also issued by Synchrony; the Old Navy credit card; and the Gap credit card — the latter two both moved from Synchrony to Barclays in 2022, which catches out a lot of cardholders. You may also find our guide to the Zulily useful.
Frequently Asked Questions
Is the Zulily credit card still active?
The card was tied to the original Zulily, which wound down in December 2023, and there is no indication the Synchrony card programme was revived when the brand name later changed hands. Only Synchrony can confirm the status of your individual account — call 1-866-419-4096.
Do I still have to pay my Zulily credit card balance?
Yes. A retailer closing does not cancel the debt. The lender is Synchrony Bank, not Zulily, and the balance remains payable.
Who issued the Zulily credit card?
Synchrony Bank.
How do I pay a Zulily credit card balance now?
Contact Synchrony on 1-866-419-4096 or sign in at mysynchrony.com. Use the number on your statement first if you still have one.
What happened to my Zulily rewards points?
Points and store credit were redeemable at Zulily, so they had nowhere to be spent once the business wound down. Ask Synchrony when you call, but do not delay paying a balance over it.
Is zulily.com working again?
Yes, the site trades again under Lyons Trading Company, which acquired a majority stake in 2025. Treat it as a separate business from the one that issued this card, and do not assume old accounts, cards or rewards carry over.
Will a closed Zulily card hurt my credit score?
Closure itself reduces your available credit, which can raise your utilisation ratio and nudge your score down. The account history usually remains on your report. An unpaid balance is what does real damage.
Someone called demanding payment on my Zulily account — is it genuine?
Do not give details to an inbound caller. Hang up and call Synchrony on the number from your statement. Any demand for payment by gift card, wire transfer or payment app is fraudulent, and you can always ask for the debt in writing before paying.
Conclusion
The Zulily credit card is a closed chapter, but an outstanding balance on it is not. If you still owe money, the debt sits with Synchrony Bank and is payable regardless of what happened to the retailer — so establish your account status, get the payoff figure, clear it, and check your credit report afterwards. If a caller pressures you about the account, hang up and dial the number on your own statement. And if you are shopping on the zulily.com that exists today, treat it as a new retailer rather than a continuation of the one you knew.
Not the card you were looking for? Our store credit card login guide lists the issuing bank, login portal and customer service number for twelve major store cards in one table.
