tucci2379 Posted October 15, 2004 Report Share Posted October 15, 2004 JUST APPLIED ONLINE WITH ZALES AND GOT APPROVED INSTANTLY750.00 TO START CARD IN MAIL 5-7 DAYS AND GAVE ME ACCOUNT NUMBER TO START SHOPPING I HAVE A BANKRUPTCY ON ALSO Link to comment Share on other sites More sharing options...
Guest jeeptravel Posted October 15, 2004 Report Share Posted October 15, 2004 Congrats!! FYI out there . . . whopulledmycredit shows they have a tendency to pull EFX, in case you're interested.JT Link to comment Share on other sites More sharing options...
tucci2379 Posted October 15, 2004 Author Report Share Posted October 15, 2004 yeah they pull transunion Link to comment Share on other sites More sharing options...
Guest jeeptravel Posted October 15, 2004 Report Share Posted October 15, 2004 Yeah . . . thanks. For finding who pulls what where:http://finance.groups.yahoo.com/group/whopulledmycredit/ Link to comment Share on other sites More sharing options...
kbean Posted October 17, 2004 Report Share Posted October 17, 2004 I was approved by Zales last year... but mine was 525. I haven't used it. They pulled Transunion... as do a lot of places around here in SW Michigan Link to comment Share on other sites More sharing options...
Ravenous Wolf Posted October 18, 2004 Report Share Posted October 18, 2004 Zales gave me the chorizo...They approved me for 600. But then they told me that if I put six hundred down in cash, they would extend my credit limit up to 2200.I went ahead and took them up on their offer.Lo and behold, the credit reports day that my credit limit is STILL 600 and that now I am OVER the limit with a balance of 2200.I got on the horn and talked to the reps at CitiCorp (since they are the servicer) and I got the run around. They said that my credit limit REALLY is just 600 but the 2200 balance is just the special arrangement.Special arrangement alright. Like a special arrangement that went up my [EXPLETIVE DELETED].My utilization factor was completely hosed because it looks like I am way over my credit limit.Like, I eventually paid it off. I called up Zales again and asked about a credit limit increase. They said that they would have to check my credit and from the results, three things could happen:1. increase my credit2. deny the increase3. close the account due to my credit scoreSince I already got bent over before with them I decided not to pursue the credit limit increase... Link to comment Share on other sites More sharing options...
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