New Contributor
Posts: 70
Registered: ‎05-05-2010

Zales Credit Card

[ Edited ]

I got a Zales Credit Card back in 1998. Currently it is my oldest card. For years I thought the account had been closed since Jewelers National bank had closed. My CR's show this account as open with a $1200 limit, $0 balance. Do I mess with this or should I just leave it? The $1200 limit really helps with my utilzation numbers and this is a card in good standing and again, my oldest card, so my AAoA could take a hit if I do anything regarding this card that could have it removed from my CR's. The card hasn't been used in 10 years. I tried to look up my account on the Zales website and it wasn't found so I can't use this card. Not sure what to do about this.

Valued Contributor
Posts: 1,278
Registered: ‎06-01-2007

Re: Zales Credit Card

If its only doing good, then leave it. I have a card with WFFNB that is my oldest card and has a 0 balance, and decent credit line. I closed it years ago but since its my oldest card and has no balance I dont touch it. Keeps my AAoA high.

Try not to become a man of success but rather to become a man of value
Albert Einstein 1879 - 1955

700 Club

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.