A zipper lock has two locking members to secure two zipper pulls of a suitcase and a control plate to cause the locking member to disengage from the zipper pulls. The lock has a latch engaged with the control plate, the latch positionable in a first latch position when the lock is in a locked mode or in a second latch position to open the lock. The lock has a combination mechanism using dials and clutches to control the movement of a spindle which allows the latch to move the second latch position when the arrangement of the dials matches the correct combination code. The lock also has a key-overriding mechanism using a cylinder to cause the movement of the latch when a correct key is used to turn the cylinder to open the lock. A recovery mechanism allows a user to recover the lost combination code.