Zales credit card approval score

Credit score ranges can vary by credit bureau but know that the higher your credit score, the better your chance for card approval. Image Credit: Experian . What We Know for Sure Higher Credit Scores Increase the Chance of Card Approval. Although Bank of America offers credit cards for most credit profiles, to qualify for the best credit …

Zales credit card approval score. I received a preapproval from Zales in my email last month, and I have gotten it 2 more times since then....How solid is a preapproval from - 5105704 ... Get your FICO ® Score for free. No credit card required. Get Access Now. CountryLivin. Valued Contributor Mark as New; Bookmark; Subscribe; ... but I went ahead and applied and was approved ...

Valero, a popular gas station chain across the United States, has recently launched a new credit card program. The Valero New Card is designed to offer customers more benefits and ...

Contact a Progressive Leasing customer service representative at (877) 898-1970. Customer Service agents are available Monday through Friday from 10 a.m. to 7 p.m. (EST), Saturdays from 10 a.m. to 6 p.m. (EST) and closed Sunday. You may also access your account online via the customer portal, 24 hours a day 7 days a week at: …Special Financing Plans available*. $50 OFF on your birthday 2. Free standard shipping 3 with purchase on your The Diamond Card. 10% off any repair service with purchase on your The Diamond Card 4. *,2,3,4 See All Benefits. Note: Credit card offers are subject to credit approval. Zales The Diamond Card accounts are issued by Comenity Capital ...FICO considers the scores in this range to be a very good credit score (740 - 799) or an excellent one (800 - 850). Consumers in this group have access to the best cards on the market today. According to Experian, 45% of consumers fall into this score category.Step 3: Choosing the Zales Credit Card. Step 4: Navigating to the Zales Credit Card Application Page. Step 5: Filling Out the Application Form. Step 6: Reviewing and Submitting Your Application. Step 7: Waiting for Application Approval. Step 8: Understanding the Terms and Conditions. Conclusion.Feb 4, 2024 · Zales Credit Card Review (Feb. 2024) The first Zales Jewelers was founded by Morris Zale, William Zale, and Ben Lipshy in 1924. The trio built Zales into a viable chain with its remarkable credit plan that allowed customers to put a penny down and make weekly payments of $1. The company changed hands in 2014, when Signet Jewelers (owners of Kay ...There are three card issuers that offer credit cards that work with the shopping cart trick on a regular basis: Comenity, Synchrony and Wells Fargo. Below is a list of cards from each bank that you should consider. These are the easiest store credit cards to get. Comenity Bank Retail Store Cards. Abercrombie & Fitch.Chip Lupo, Credit Card Writer. @CLoop • 05/20/24. The best credit card for engagement ring shopping is the Wells Fargo Active Cash® Card because it gives 2% cash rewards on purchases and offers an introductory purchase APR of 0% for 15 months from account opening. You can earn rewards on your engagement ring purchase while paying it off over ...The best balance transfer credit card for fair credit is the Citi Double Cash® Card because it offers an introductory APR of 0% for 18 months on balance transfers made within 4 months of opening an account. This card also has a $0 annual fee. The Citi Double Cash Card 's regular APR is 19.24% - 29.24% (V).

credit card review new | Zales. Exclusions Apply. Golden Deals Up to 40% Off ∏. Take An Extra 20% Off ‡ select Clearance. 10% off for Military.Shop Credit Cards Balance Transfer Cards Reward Cards Travel Cards Cash Back Cards 0% APR Cards Business Cards Cards for Bad Credit Cards for Fair Credit Secured Cards Credit Card Articles Credit Card Calculators Credit Card Insights Search Credit CardsWith an APR of 32.24% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Fair to Excellent (580-799) credit score. With Comenity Bank Zales The Diamond you will get such features as No Annual Fee, Fair Credit, Good Credit, etc.2.9 WalletHub Rating. WalletHub Rating. 2.9. This card has been scored using WalletHub's proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month."African Bank Gold Credit Card. Anyone with a monthly income of R 5000 and above can apply for the African Bank gold credit card. The card allows you to enjoy several basic functionalities at no extra cost. Therefore, it is trendy among South Africans.

This allows Comenity Bank to flag the application as pre-approved. Comenity Bank pre-approval doesn’t guarantee that you’ll be approved for a card, but it does indicate that you have a 90% chance of getting approved if you apply. Pre-approvals do not affect your credit score, as they’re done using a soft pull. But if you decide to apply ...Maria Adams, Credit Cards Moderator. @m_adams • 01/12/24. The credit score you need for the Zales Credit Card is 640 or better. That means people with at least fair credit have a shot at getting approved for this card. You should note that while your credit score is an important factor, there are plenty of other things that will impact your ...The Kohl's credit card is a store card, which typically means it has less stringent credit requirements compared to general-purpose credit cards. For the Kohl's card, the minimum recommended credit score is 640. However, it's important to remember that meeting this score requirement does not guarantee approval, as there are other factors ...There are three card issuers that offer credit cards that work with the shopping cart trick on a regular basis: Comenity, Synchrony and Wells Fargo. Below is a list of cards from each bank that you should consider. These are the easiest store credit cards to get. Comenity Bank Retail Store Cards. Abercrombie & Fitch.

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You will only qualify for a Walmart Mastercard with a credit score of 660 or higher. The credit limit you qualify for with each card can vary and depends mainly on your credit score and income. Without a satisfactory financial history and income, your credit limit can be as low as $150. If you have a high credit score and can prove steady and ...Jul 15, 2021 · One of the great things about the Zales Credit Card is that you don’t need superior credit to qualify for the card. People have gotten approved for this card with credit scores in the 500s though you might want to try to get your score up into the 600s so that you have better approval odds and can get a credit line you’ll actually be able ...Zales is your online and local jewelry store that offers a wide selection of quality and affordable jewelry for any occasion. Whether you are looking for engagement rings, personalized jewelry, holiday gifts or custom gemstone designs, you can find it at Zales. Explore our jewelry online or visit one of our 437 stores near you.Here's how your credit score range (either FICO or VantageScore) could affect your financial options. Poor: 300 to low-600s. You might not be able to get approved for a loan or unsecured credit card at all. If a lender or issuer does approve an application, it likely won't offer the best terms or lowest possible interest rate.

One of the great things about the Zales Credit Card is that you don’t need superior credit to qualify for the card. People have gotten approved for this card with credit scores in the 500s though you might want to try to get your score up into the 600s so that you have better approval odds and can get a credit line you’ll actually be able ...What is the credit limit and Annual Percentage Rate (APR) for the Zales The Diamond Card? How do you keep my data collected through the credit card application process safe? All Help Topics. Get the answers you need fast by choosing a topic from our list of most frequently asked questions.Compare loans for bad credit from top lenders like Upgrade, Upstart and Avant. Pre-qualify with no impact to your credit score. Find your bad credit loan today.Table of Contents. Issuers With Credit Cards That Offer Preapproval in 2024. Capital One Cards That Offer Preapproval. Chase Cards That Offer Preapproval. American Express. Citi. Discover. Bank of ...May 17, 2015 · I was approved for the Zales Card today. I broke my streak of having zero store cards, but couldn't say no to saving $150 on my purchase. I was approved for $5,200 after requesting $15,000. The two girls working said that's the highest approval they've seen, but it's my personal second lowest credit...Applying only takes a few moments. Get approved and start shining instantly. $50 Off4 for Your Birthday. Get $50 off4 a purchase during your birthday month with The Diamond Credit Card. 10% Off5 Repairs and Services. Dazzle today and forever with 10% off5 jewelry repair and services. Exclusive Offers in Your Inbox.Shop Credit Cards Balance Transfer Cards Reward Cards Travel Cards Cash Back Cards 0% APR Cards Business Cards Cards for Bad Credit Cards for Fair Credit Secured Cards Credit Card Articles Credit Card Calculators Credit Card Insights Search Credit CardsHere are two credit cards that offer an opportunity for those with limited or no credit history to speak of. Be aware that you will almost certainly receive a low initial credit limit, but with responsible card use, that can quickly change. 1. Capital One Platinum Credit Card.The Shane Company offers a store credit card is issued by Wells Fargo Financial National Bank. The standard interest rate for purchases is 28.99%, but it offers special financing terms of 24, 36, 48, and 60 months with interest rates of 9.99%, 10.99%, 11.99%, and 12.99% respectively. Cardholders are required to make equal payments each month.Instant Approval Cards For Fair Credit (580-669 FICO) After a short online application, each of the cards below can return a credit decision in a matter of seconds. Occasionally, the bank will require more information from an applicant, which can slow down the decision-making process. 4. Capital One Platinum Credit Card.Say you owe $2,000 across three credit cards with a total credit limit of $8,000. That's a 25% utilization ratio. If you get approved for two new credit cards with a $2,000 line each, your total available credit will increase to $12,000, and your utilization ratio will decrease to 17%-assuming you keep your spending the same.May 2, 2024 · Helzberg Diamonds Credit Card. Riddle's Jewelry Credit Card. Fred Meyer Jewelers Credit Card. Reeds Jewelers Credit Card. Blue Nile Credit Card. Banter Credit Card. If you want a store card that can be used for jewelry but also for other things, here are some other good options: The JCPenney Credit Card gives you 35% off your first purchase and ...

When shopping for a credit card for average credit, be wary of cards that advertise "easy" or "guaranteed" approval. There are cards designed for applicants with bad credit and they are very bad deals. They often come with high annual fees and very low credit lines. Summary of the best credit cards if your FICO score is 650 to 699

Best for rewards: Discover it® Secured Credit Card. Here's why: This card offers rewards on every purchase you make. The Discover it® Secured Credit Card offers 2% cash back at gas stations and restaurants on up to $1,000 spent in combined purchases each quarter (then 1% once the quarterly cap is met).Popular Credit Score Matches. Or enter your exact score above. 550 575 600 625 650 675 700 725 750 775 800 825. Credit cards matched to your credit score. Reduce the chance of getting denied for a Visa, Mastercard, Discover and American Express credit card.Jewelry Advantage Credit Card Program. In this program, individual businesses issue their own credit cards through Wells Fargo and can choose their own deferred interest promotions. One such card is the Maui Divers Jewelry Credit Card, which has a $0 annual fee and offers 0% for 12 - 36 months (with a regular APR of 28.99%).To apply for the Zales credit card, you have to create an online Zales.com account. It’s one extra step in the application process, but it can provide immediate …2024 Concora Credit Inc. (NMLS #1549514) CA Collection Agency License # 10739-99Basically, many Chase credit cards, including this one, are subject to what's known as the 5/24 Rule, which means you won't be approved for a Chase Sapphire Preferred® Card if you've opened five or more credit card accounts within the last 24 months. "I have three cards from Chase: Freedom, Amazon, Southwest, with a total credit of ...Chip Lupo, Credit Card Writer. @CLoop • 05/20/24. The best credit card for engagement ring shopping is the Wells Fargo Active Cash® Card because it gives 2% cash rewards on purchases and offers an introductory purchase APR of 0% for 15 months from account opening. You can earn rewards on your engagement ring purchase while paying it off over ...Applying only takes a few moments. Get approved and start shining instantly. $50 Off4 for Your Birthday. Get $50 off4 a purchase during your birthday month with The Diamond Credit Card. 10% Off5 Repairs and Services. Dazzle today and forever with 10% off5 jewelry repair and services. Exclusive Offers in Your Inbox.To break it down further, Helzberg Diamonds Credit Card earned a score of 5.0/5 for Fees, 0.0/5 for Rewards, 5.0/5 for Cost, and 3.5/5 for User Reviews. Info about the Helzberg Diamonds Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.The Zales Credit Card is a popular choice for jewelry shoppers looking to take advantage of exclusive discounts, special financing offers, and a rewards program. In this article, we will review the benefits, application process, fees, and charges associated with the Zales Credit Card to help you determine if it is the sparkling choice for...

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One of the best credit cards for a 550 credit score is the OpenSky® Plus Secured Visa® Credit Card because it has a $0 annual fee and there's no credit check when you apply, so approval is almost guaranteed. You just need $300 for a refundable security deposit and enough income to make monthly payments.Consider the credit card marketplace and comparison sites at first. These sites can help you a lot in finding the best credit card for bad credit. But with a credit score of 540, your options for unsecured credit cards might be limited but you could consider the Credit One Bank Platinum Visa.One way to evaluate your odds of being approved is by checking your credit scores in advance. FICO credit scores, which are the scores used by 90% of top lenders, range from 300 to 850. Mike ...The Surge Credit Card is good for building credit, since it reports to the three major credit bureaus: TransUnion, Experian and Equifax. But you should keep in mind, that it comes with pretty high fees and APRs. More specifically, the card has a $75 - $125 annual fee, a monthly fee ($0 1st yr, $12.50 after) and a 35.90% (Fixed) regular APR.Special Financing Plans available *. $50 OFF 2 on your birthday. Free standard shipping 3. 10% off any repair service 4. *, 2, 3, 4 See All Benefits. Note: Credit card offers are subject to credit approval. Gordon's Jewelers Credit Card accounts are issued by Comenity Capital Bank.Both the FICO Score 8 and the VantageScore 3.0 have their own specific credit score ranks and levels, but each uses the same basic 300 to 850 range. On both ranges, the higher the score, the better, with 850 being the absolute best possible credit score.The Zales credit card ranked three on our list of 7 easiest jewelry store credit cards to get. Zales' credit card has standard APR of 29.4%, and the minimum payment for the month is $25.Chip Lupo, Credit Card Writer. @CLoop • 01/15/24. The Jared Credit Card credit score requirement is 640 or better. That means people with fair credit or better have a shot at getting approved for the Jared Credit Card. You should note that while your credit score is an important factor, there are plenty of other things that will impact your ...No, the Walmart Credit Card will not do a soft pull. The Walmart Credit Card application will result in a hard inquiry. So, keep in mind that you will need at least fair credit ( 640 +) to get the card. While the score is higher than what most store cards require, you will be able to use the card anywhere Mastercard is accepted.Special Financing Plans available*. $50 OFF on your birthday 2. Free standard shipping 3 with purchase on your The Diamond Card. 10% off any repair service with purchase on your The Diamond Card 4. *,2,3,4 See All Benefits. Note: Credit card offers are subject to credit approval. Zales The Diamond Card accounts are issued by Comenity Capital ... ….

The Ross Credit Card is a credit card that can only be used at Ross Dress for Less stores. Once approved, you will receive a 10% discount Footnote 1 (given as a barcode) that can be redeemed for any single total purchase. You will also earn 5% back as rewards Footnote 2 on all purchases on the credit card at Ross Dress for Less to use on future purchases.Login | Zales. Exclusions Apply. Buy More Save More. Up to 25% Off * $3,000 or more. Golden Deals. Up to 40% Off ∏. Take An Extra 20% Off ‡. select Clearance. Sign In.credit score. Jan 05, 2024. Make the most of every purchase with the Citi Double Cash ® Credit Card. Cardholders earn 1% cash back on purchases and another 1% when they pay for those purchases. The Double Cash ® Credit Card also offers a promotional introductory APR on balance transfers for 18 months and an introductory offer of $200 cash ...Here are some of the easiest cards to be approved for, whether you're a beginner or trying to rebuild your credit. Update: Some offers mentioned below are no longer available. View...Limited History. 4.7/5. Citi Simplicity® Card. 0% Purchases. Yes. Good. 3.7/5. You can find pre-approved credit cards at almost any credit level and for all needs. It's only a matter of finding the one that suits you best, so WalletHub's editors compared 1,500+ offers to find the best pre-approved credit cards for every credit level.Step 1: Download the Airtel Thanks App through Play Store or App Store. Step 2: Go to the ‘shop’ category, then choose ‘credit card’ under ‘Financial Services’. Step 3: …Experian credit report. See the same type of information that lenders see when requesting your credit. Get your free credit score. ø Results will vary. Not all payments are boost-eligible. Some users may not receive an improved score or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by ...Get all the details of Zales The Diamond Card including APR, annual fee, reward points, so you can apply for the right card today. ... Credit scores are for guideline purposes and do not guarantee approval. Your personal financial situation and lender terms and conditions can impact credit approval. EDITORIAL NOTE. Editorial Note: Any opinions, ...Chip Lupo, Credit Card Writer. @CLoop • 01/09/24. You need a credit score of 700 or higher to get an airline credit card, in most cases. This is because nearly all airline credit cards require good-to-excellent credit for approval, which means a credit score between 700 and 850. Zales credit card approval score, February 20, 2024 • Credit Cards. If you’ve been eyeing a Wayfair credit card, you might be wondering what credit score you need to be approved. While a credit score of 640 is the minimum recommendation, it’s important to remember that several other factors play a role in the approval process., I have sacrificed my credit by paying off my son's cards and loans. He now carries a very high credit score and mom can't get a secured card. I have made all the payments on 4 of his credit cards. I paid off a. $5,000 loan he and his wife got froma credit union. He got the financial whistles & bells because the loan. was in his name. Dumb mother!, Sep 1, 2023 · 1. Credit scores. Your credit scores can be used by credit card companies to evaluate your overall creditworthiness. They’re not the only factors considered when it comes to credit card approval, but they are important. Credit scores can serve as a risk indicator to lenders, letting them know how likely it is that you’ll repay your debt., As you can see below, a 691 credit score is considered Good. For context, the average credit score in America is 718. Credit Score. Credit Rating. % of population[1] 300 - 579. Poor. 16%. 580 - 669., Re: MINIMUM SCORES REQUIRED FOR MACY'S CARD. I was in the 620 range when I got approved for $600.00 a good rule of thumb is 600+ but there are always other factors that come into play. Good luck in your credit journey! CURRENT SCORES: TU: 698 21 Apps / EX: 644 28 Apps / AAoA: 4.4 Yrs. / Util. 5% / Goal: 750 by 12/22. …, Re: Authorized User - Zales. I am not familiar with the Zales or Credit One. CareCredit reports AUs on CRAs. AUs credit reports are not considered in any manner for CLI's , etc. Closing Credit Cards. The Definitive Amex 3X CLI Guide. Frequently Requested Threads. Message 2 of 4. 0 Kudos., Zales is your online and local jewelry store that offers a wide selection of quality and affordable jewelry for any occasion. Whether you are looking for engagement rings, personalized jewelry, holiday gifts or custom gemstone designs, you can find it at Zales. Explore our jewelry online or visit one of our 437 stores near you., Lower your credit utilization ratio. In addition to lowering your debt, you'll also want to maintain a high credit amount. These two numbers make up your credit utilization ratio, which can be calculated by dividing your total credit card balances by your total available credit. WESTEND61/GETTY IMAGES., 2024 Concora Credit Inc. (NMLS #1549514) CA Collection Agency License # 10739-99, The OpenSky Secured Credit Visa card doesn’t require a credit check, so your credit score doesn’t matter for approval. A small refundable deposit of at least $200 is required to open the account., The Zales Diamond Credit Card. Experience the must-have credit account for Zales customers. More Details. Apply Benefits . Exclusive Cardholder Perks . When You Use Your Zales The Diamond Card . Just For You . Discover all the perks of being a cardholder. More Details . Become a Vault Rewards Member., Welcome to Blaze Mastercard® Credit Card - where you can start achieving your credit goals and work towards financial freedom. Accept Mail Offer. How you benefit with Blaze. 24/7 Account Access. Easy-to-use Blaze Mobile App. Custom Alerts. Stay in the know with text and e-mail alerts., The FICO credit score range spans from 300 to 850, with 850 being the best possible credit score. Under this model, a credit score above 740 is considered to be an "excellent" score, which, under our lock-and-key analogy, effectively gives those with a FICO credit score of 740 or better a master key to nearly every credit card lock on the market., By applying for the credit card during checkout, you'll receive an approval decision immediately and may be able to bypass a "hard pull" credit check — a full review of your credit report. Benefits. The shopping cart trick allows you to avoid a hard pull on your credit report, which can bring down your credit score by a few points even ..., Taking a broader view, most approved cardholders report having credit scores above 700, and the majority of reporting cardholders have a credit score above 750. Less than 10% of respondents reported having credit scores below 600. The average credit score for a Chase Sapphire Preferred® Card cardholder is around 741., For Zales Credit Card users, late fees can vary based on factors such as the outstanding balance and the frequency of late payments. It's important to review the terms and conditions of the Zales Credit Card to gain a clear understanding of the late fee structure and how it applies to your specific account., It's really not something you should worry about. Even if it is closed, the card will be reported on your credit report, closed in good standing, for 7 years. Open new cards that do meet your needs and use those responsibly and your credit score will be plenty high as to not notice a blip if the old card is cancelled. 3., This means that the Capital One Walmart Rewards® Mastercard® * likely requires at least good credit, which FICO typically defines as a credit score of 670 and above. What's unique about the ..., The Cabela's Credit Card approval requirements include: A credit score of at least 700. So, you need good credit or better for approval. More income than your monthly expenses. Age of 18+. Must be either a U.S. citizen or a permanent resident. Relatively low debt. You need a Social Security Number or an Individual Taxpayer Identification Number., ☉ Credit score calculated based on FICO ® Score 8 model. Your lender or insurer may use a different FICO ® Score than FICO ® Score 8, or another type of credit score altogether. Learn more. ø Results will vary. Not all payments are boost-eligible. Some users may not receive an improved score or approval odds., • Inside a Zales Outlet - please note that Comenity Capital Bank will not accept a credit card as a form of payment. • Schedule a payment or send a check to: Comenity Capital Bank; P.O. Box 659819; San Antonio, TX 78265-9119. See your billing statement for all payment options and details., just submitted a cli from 1000 to 3000 on my zales card and got countered at 2000, a 1000 cli and ill take it. tried the same thing on my home depot but asked from 500 to 5000. no counter just a plain denial., Step 3: Choosing the Zales Credit Card. Step 4: Navigating to the Zales Credit Card Application Page. Step 5: Filling Out the Application Form. Step 6: Reviewing and Submitting Your Application. Step 7: Waiting for Application Approval. Step 8: Understanding the Terms and Conditions. Conclusion., Here's how it's broken down: Credit cards for excellent credit require a FICO credit score of 740 to 850. Credit cards for good credit require a FICO credit score of 670 to 739. Credit cards for fair credit are for FICO credit scores of 580 to 669. Credit cards for bad credit are for FICO credit scores of 300 to 579., IKEA Store Card has a rating of 3.8/5 according to our proprietary credit card rating system. This rating reflects how appealing IKEA Store Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score ..., The key to finding the best credit card for you is to determine which features you value most, then compare offers in search of the best deal. Best Credit Cards of 2024. Wells Fargo Active Cash® Card: Best Overall. Chase Sapphire Preferred® Card: Best for Travel. Wells Fargo Reflect® Card: Best for 0% Intro APR., New Customers, get pre-approved for $4,000 on your first purchase. 100% Approval Financing. Golden Month Of May. Save Up To 50% Off Select Gold* Free Shipping over $50. Menu; Location; Phone. Contact Us. Email 866-958-7664 Daniel's credit. Daniel's Credit ... Your credit score is a mix of factors, and paying for jewelry with credit can help ..., You'll receive your Experian™ credit report and a free credit score, plus credit monitoring alerts so you'll know of any changes. An easy way to check to see if you're prequalified for a credit card is to check the company's website. Provide your name, address and the last four digits of your Social Security number to see if you're prequalified., Learn how to build your credit history with the best credit cards of 2024 from Bankrate. Compare features, benefits and rewards for your needs., If you're considering applying for the Ink Business Unlimited card, it's recommended to have a personal credit score of at least 670 or higher — or a business credit score of at least 75 to maximize your chances of approval. Image Credit: Upgraded Points. That said, no set credit score guarantees approval for the Ink Business Unlimited card., Mar 26, 2024 · It is not hard to get approved by Comenity Bank because most of the credit cards issued by Comenity Bank are available to applicants with fair credit or better. You should have good odds of approval for a Comenity credit card if you have a 640+ credit score and consistent income. You will also need to be at least 18 years old and have a Social ..., Each offer good in store or at jcp.com, excluding taxes, through 11/30/24. Applicants who do not receive a credit decision at the time of their application, but are later approved, will receive an extra 35% off coupon in their credit card package. Offers good upon new JCPenney Credit Card account approval. Full amount of purchase must be on the ..., At Rocket Mortgage, the minimum qualifying credit score is 580. Keep in mind, you can qualify for more favorable terms with a higher score. And one good thing about the VA guarantee is it gives lenders a chance to help more borrowers who may have less-than-perfect financial histories.