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Regular Contributor
remarc
Posts: 170
Registered: ‎03-05-2012
0

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
zerobacan
Posts: 726
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
MarcinXP
Posts: 307
Registered: ‎09-06-2011
0

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 $25k / Fidelity Amex $12.5k / Chase Freedom Visa $8k / BOA - BBR MC $7.5k / Chase Sapphire Preferred $7k / Best Buy Platinum MC $3K / Barclay Rewards MC $2.25k / Discover IT $1.5k / SY Lowes $8k / SY Walmart and Amazon $5k / Target RedCard - $300 / NO CAPONE IN MY WALLET ANYMORE!
Established Contributor
zerobacan
Posts: 726
Registered: ‎01-13-2013
0

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
Robertwd82
Posts: 71
Registered: ‎11-19-2012
0

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
HindSight_20_20
Posts: 177
Registered: ‎06-03-2009
0

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
snowkitty
Posts: 985
Registered: ‎09-10-2012
0

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
Burned2manybridgesB4
Posts: 2,219
Registered: ‎03-15-2012
0

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
dpride86
Posts: 124
Registered: ‎02-01-2013
0

Re: Are Kays Jewery Credit cards hard to get?

please keep us updated on the results
-Current Score: TU 714 EQ 701 and EX 690 11-14-14
-My Goal: 720+ on all 3
-My wallet:
NFCU Cash Rewards 14k, DCU Visa Platinum 7.5k, Penfed Promise 6.5k, Amex BCE 6k, Fidelity Amex 5K, Capital one QS 5K, Chase freedom 4k, Citi 3.8K, Amazon Chase 3.5k, Express 1.36k
Valued Contributor
Burned2manybridgesB4
Posts: 2,219
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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