topic Re: Zales credit card in Credit Cards

Zales credit card

kobe2012 — Sun, 25 Sep 2016 07:17:36 GMT

Zales jewelry credit card is now backed by comenity... Last time I checked it was backed by citi... Since it's now thru comenity, has anyone recently applied ?? And how easy is it to get???

Re: Zales credit card

AverageJoesCredit — Sun, 25 Sep 2016 11:57:21 GMT

I did get this a couple months ago, got a letter, called verified it was me and was given $3000. Still have a bk7 on my report. Up to $3750 with help from Robolady

Re: Zales credit card

kobe2012 — Sun, 25 Sep 2016 15:27:28 GMT

How old was your bk7?

Re: Zales credit card

Anonymous — Sun, 25 Sep 2016 18:24:11 GMT

I have not been impressed with the switchover, they did this back at the start of 2016.

I think CLI only come but ever 9 months or something. and when they do come it is not much; i got a 400 cli on my 1200 limit at the time. so it is now 1600 and they wont budge at all. my scores are in the 680s ish,. plus the dam high interest rates is a slap in the face for anyone that has been with this store card a long time.

only up side is the 6,12, and 18 month 0%..........no other jewlery store card has this, so as long as u spend the amount needed to get that special finacing AND PAY IT IN FULL before it expaires...its a great card for that purpose.

Re: Zales credit card

Anonymous — Sun, 25 Sep 2016 19:14:55 GMT

Zale's was the first card I was approved for at the beginning of my rebuild. I think it's worth mentioning that two versions of the Zale's card exist. One is issued by Comenity Capital and the other Comenity Bank. They are both Comenity issued cards, however.

It's my understanding that the card issued by Comenity Bank is designed for those who qualify for a credit line, but only if money is placed down at the time of the purchase. The bank sets the down payment vs credit ratio at the time.of applying.

The card under Comenity Capital Bank, is a regular credit line. I was approved for this product myself and at the time my credit profile was VERY thin. I had no bank cards or store cards. Just an auto loan from.2013. I had derog's on my reports as well. Myfico scores at the time of approval were TU: 588 / EQ:597 / EX: 600. Inquiry wise I believe I was setting around at 3-5 HP's across the board and they were all from 2015.

I applied in store and was instantly approved for a SL of $1,000. The Zale's associate must enter an amount you're requesting at the time of application in store. I hadn't decided what I wanted so she simply entered $1,000.00

I've had this card for about 6 months and received auto CLI every other month. Each time the limit has been raised $500. My credit line is now $2500 as of today.

The promos are nice, but I wouldn't ever carry a balance on this card outside of a promo as its at like 27%!! Promotional financing options are 0% @ 6/12/18 months. Just remember to pay your balance in FULL before the promo ends because if you do not, they will backdate all interest waived and apply it to your balance at the end of your promotional offer!

Hope this info helps. My minimum payment on a $1000 purchase has been $25 per month.

Re: Zales credit card

kobe2012 — Sun, 25 Sep 2016 20:30:47 GMT

Thanks everyone .. I pulled d trigger but gave me a 7-10 day msg.. My equifax was frozen ... I know comenity tends to pull equifax in California ... Am not sure if they pulled experian

Re: Zales credit card

AverageJoesCredit — Sun, 25 Sep 2016 21:56:52 GMT

Hi Kobe, my bk was from 2007 so almost 10 years. I also have heard they give cli after 9 months but i tried the phone system as i read about this method from another poster here but only give one via this method. Try again and get a letter. So far no problems but if you want them to report you gotta buy something and let it post. Doing this currently so my new cl will show then gonna pif and maybe get lucky with an auto cli when i get my 9 months. Its possible that you are just gonna get a letter as i did and still get approved. Best of luck

Re: Zales credit card

Anonymous — Sun, 25 Sep 2016 22:01:13 GMT

What are the perks to this card?

Re: Zales credit card

Anonymous — Tue, 27 Sep 2016 03:53:21 GMT

only perks I see is the 6,12, 18 month no interest if paid in full before that time runs out. and they are rather low amounts you need. for example, only 150+ gives you the 6 month interest free. which no other jewlery store offers least none that i have found.

Re: Zales credit card

Anonymous — Wed, 19 Apr 2017 22:15:59 GMT

They refused me a raise on my $550 limit. The refusal letter said I have too many late payments and things in collections, I actually have zero. They said my credit usage ratio is too high ( under 20%). My Vantage score is 758. I phoned to talk to someone about this and was told to talk to a credit counselor????

Re: Zales credit card

morgacj2004 — Thu, 20 Apr 2017 03:21:12 GMT

I got it last year. I believe $3500 ICL. I cancelled it after doing research and realizing how bad the quality of Zales diamonds are and how overpriced. I would recommend Blue Nile over Zales any day. You will also get a higher SL