So you have some extra money in your pocket and you’ve decided to pay off one of your credit card collections early. You know that credit scores are extremely important so your goal is to pay off the collection that will yield the most credit score improvement — the “FICO ROI” (return on investment).

Zales are known for their quality merchandise offered at affordable prices, and sell both used and new jewelry, all of which can be personalized. Card holders receive a variety of credit options, insurance and the usual online account management advantages. If you like to shop at Zales, then you might want to consider getting the Zales Credit Card.

The average American credit score is 678, but there is a range of credit scores that auto loan lenders will find acceptable. You can qualify for a auto loan with a low credit score, but you may need to seek alternative lending options to do so. In order to secure a auto loan with a traditional lender, you will need to be in the medium to low-risk credit range — this credit score range includes all scores more than 650.

Get a credit card with a high limit, keep the balance low and use the credit card to establish a credit history or boost a low credit score. Remember — the more available credit on a credit card, the better.

Insurance companies can use use drivers’ credit scores and personal credit score information to determine how much to charge for auto insurance rates.