Re: Zales CLI question robot lady not very generou... - myFICO® Forums

morgacj2004 · ‎06-22-2016

So I was recently approved for Zales with a 3k ICL. Robot lady worked one time only and gave me an increase of $750. I was hoping for a lot more. I tried calling CSR and he stated I would need to ask for CLI once I am in the store with a specific product picked out. Any other ideas as I would like to know ahead of time what I am approved for before shopping. 19th wedding anniversary time to upgrade my wife's ring.

AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550

MrsCHX · ‎06-22-2016

What do you mean upgrade her ring? Like adding on to it??

I think Comenity takes a little bit to get going on CLIs and once they start you can get them really consistently.

Capital One Savor: $6,000; PenFed Power Cash Rewards: $3,500; Nordstrom Visa: $3,300; PenFed Gold: $2,500; Capital One: $2,500; Mission Lane: $2,500; Credit One: $2,000;
Store Cards: Kohls $2,500; Home Depot: $1,000; Target: $900; LOFT: $700; Amazon: $350

morgacj2004 · ‎06-22-2016

I bought her a 5 k ring a few years ago and they gtd to give u full purchase price on a trade in upgrade as long as u purchase a product that is double the price ie 10k.

AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550

Anonymous · ‎06-23-2016

I'd encourage you to think very carefully before incurring $10,000 of debt for a ring.

MrsCHX · ‎06-23-2016

I'm going to say do NOT under any circumstances pay Zales $10,000 for anything. Mall jewelry stores have insane markup and you could get a better value going to an independent jeweler.

I've never heard of anyone changing wedding rings every few years! Interesting. What about a different piece of jewelry as a gift?

Capital One Savor: $6,000; PenFed Power Cash Rewards: $3,500; Nordstrom Visa: $3,300; PenFed Gold: $2,500; Capital One: $2,500; Mission Lane: $2,500; Credit One: $2,000;
Store Cards: Kohls $2,500; Home Depot: $1,000; Target: $900; LOFT: $700; Amazon: $350

morgacj2004 · ‎06-23-2016

I totally agree with you on the markup issue. The only reason I was going to use Zales is because of the full credit price for the old ring and the special financing they are currently offering 0% at 18 months. I also have a Blue Nile acct with a 24k limit. I have been told they are much better to use than a retail jeweler. Not sure I understand the comment regarding paying 10 k for a ring. People spend 5-6 X that amount on a car boat motor home etc. It is a luxury good but she deserves it for putting up with me for 10 years.

AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550

MrsCHX · ‎06-24-2016

Oh, it wasn't that I thought $10K for a ring is "bad", just that from Zales you're probably paying far more than you should for what you're getting. And I would definitely go Blue Nile over Zales! I was asking (geniuinely) about "upgrading" a wedding ring. I hadn't really experienced that (I can't personally see wanting a different ring than the one my husband proposed with) so I was confused about that. And was suggesting a nice gift for your anniversary vs changing her wedding ring.

Capital One Savor: $6,000; PenFed Power Cash Rewards: $3,500; Nordstrom Visa: $3,300; PenFed Gold: $2,500; Capital One: $2,500; Mission Lane: $2,500; Credit One: $2,000;
Store Cards: Kohls $2,500; Home Depot: $1,000; Target: $900; LOFT: $700; Amazon: $350

morgacj2004 · ‎06-24-2016

No offense taken. The bottom line is that she wants a larger stone. If I was buying from scratch I would go for Blue Nile in a heartbeat!

AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550

MrsCHX · ‎06-24-2016

Ah! Gotcha!

Capital One Savor: $6,000; PenFed Power Cash Rewards: $3,500; Nordstrom Visa: $3,300; PenFed Gold: $2,500; Capital One: $2,500; Mission Lane: $2,500; Credit One: $2,000;
Store Cards: Kohls $2,500; Home Depot: $1,000; Target: $900; LOFT: $700; Amazon: $350

RonM21 · ‎06-24-2016

@morgacj2004 wrote:
No offense taken. The bottom line is that she wants a larger stone. If I was buying from scratch I would go for Blue Nile in a heartbeat!

All in keeping a happy home, right?

Total CL: $321.7k

UTL: 2%

AAoA: 7.0yrs

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Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

Zales CLI question robot lady not very generous

Zales CLI question robot lady not very generous

Re: Zales CLI question robot lady not very generous

Re: Zales CLI question robot lady not very generous

Re: Zales CLI question robot lady not very generous

Re: Zales CLI question robot lady not very generous

Re: Zales CLI question robot lady not very generous

Re: Zales CLI question robot lady not very generous

Re: Zales CLI question robot lady not very generous

Re: Zales CLI question robot lady not very generous

Re: Zales CLI question robot lady not very generous

Zales CLI question robot lady not very generous

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Zales CLI question robot lady not very generous

Re: Zales CLI question robot lady not very generous

Re: Zales CLI question robot lady not very generous

Re: Zales CLI question robot lady not very generous

Re: Zales CLI question robot lady not very generous

Re: Zales CLI question robot lady not very generous

Re: Zales CLI question robot lady not very generous

Re: Zales CLI question robot lady not very generous

Re: Zales CLI question robot lady not very generous

Re: Zales CLI question robot lady not very generous

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