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Regular Contributor
Posts: 170
Registered: ‎03-05-2012
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Re: Are Kays Jewery Credit cards hard to get?

I was approved for $5100 - 12 Inquiries - 6 of those were auto in the last two years. I had scores of all in the range of 650. No baddies. No lates.
Established Contributor
Posts: 727
Registered: ‎01-13-2013
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Re: Are Kays Jewery Credit cards hard to get?

Those big CL sound nice, however I would not buy anything there... I need to increase my utilization this month, but the new account would hurt me more than help me...

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Frequent Contributor
Posts: 310
Registered: ‎09-06-2011
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Re: Are Kays Jewery Credit cards hard to get?

Just got an engagement ring from there and I got a 628 EQ and 635 TU. Couple of CapOne with $1000 limit, Amazon with $650. Got approved for $2800 which shocked me so it's easy to get. I got 2 COs from 2008 paid, 2 COs from 2007 not paid and State Lien paid and released from 08. 52k income.

NFCU Visa Sig $30k / Amex Blue Cash $25.5k / Fidelity Amex $25k / Chase Freedom $14.5k / Citi Double Cash $5k / Capital One Quicksilver Visa Sig $5k / Citi Best Buy MC $3K / Barclay Rewards MC $2.95k / BOA - BBR $2.5k / SY Lowes $15k / SY Amazon $6k / Target RedCard - $300
Established Contributor
Posts: 727
Registered: ‎01-13-2013
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Re: Are Kays Jewery Credit cards hard to get?

Nice!! Can i apply online?
Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
New Contributor
Posts: 72
Registered: ‎11-19-2012
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Re: Are Kays Jewery Credit cards hard to get?

Zales is also easy to get financing, and you can usually haggle price with them to get a significant discount.  Kays, not so much.  

 

I would apply online, then negotiate in store.  When asked for payment, give them your account number.

Regular Contributor
Posts: 177
Registered: ‎06-03-2009
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Re: Are Kays Jewery Credit cards hard to get?

Kays was one of the cards I acquired during my 2010 spree - easy to get..? Yes.  Does it show an avail balance on your CR? Yes,  But if I had it to do again I'd pass on them.  I'm not fond of the 're-qualifying' factor they use every year to 'see' if you are still approved for the 'loan' based on the fact that they are not a 'true' revolving account - so I'd say go the gift card route as mentioned before with them.    And just wait on a 'real' revolver that will work for you (i.e. Points, cash back etc) to use on things like this.

 

Never had to 're-qualify' :smileyfrustrated: after a year with no use on any of my other cards.... 'just sayin'  

 

________________________________________________________________________________________________
I’ve found that I can "charge" WHATEVER I want…. Just not all at THE SAME TIME!*Last CC App 07/2010*
Established Contributor
Posts: 985
Registered: ‎09-10-2012
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Re: Are Kays Jewery Credit cards hard to get?


HindSight_20_20 wrote:

Kays was one of the cards I acquired during my 2010 spree - easy to get..? Yes.  Does it show an avail balance on your CR? Yes,  But if I had it to do again I'd pass on them.  I'm not fond of the 're-qualifying' factor they use every year to 'see' if you are still approved for the 'loan' based on the fact that they are not a 'true' revolving account - so I'd say go the gift card route as mentioned before with them.    And just wait on a 'real' revolver that will work for you (i.e. Points, cash back etc) to use on things like this.

 

Never had to 're-qualify' :smileyfrustrated: after a year with no use on any of my other cards.... 'just sayin'  

 


That's interesting and I don't think I would like that either!

TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Valued Contributor
Posts: 2,375
Registered: ‎03-15-2012
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Re: Are Kays Jewery Credit cards hard to get?

I'm headed to the store this saturday...(more like dragged there...)

I'll give you guys a heads up at to the pain of getting this card. Right now I"m about 670's.

Regular Contributor
Posts: 128
Registered: ‎02-01-2013
0

Re: Are Kays Jewery Credit cards hard to get?

please keep us updated on the results
-Current Score: TU 719 EQ 705 and EX 708 1-11-15
-My Goal: 740+ on all 3
-My wallet:
NFCU Cash Rewards 17k,Fidelity Amex 10.1k, QS 8k, DCU Visa Platinum 7.5k, Chase Freedom 7k, Penfed Promise 6.5k, Amex BCE 6k and Citi 5K.
Valued Contributor
Posts: 2,375
Registered: ‎03-15-2012
0

Re: Are Kays Jewery Credit cards hard to get?

Easy to get. Pain free. Quick call from their financier due to my FA. $5400.00 approved.
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