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Is it true Kay Jeweler's doesn't report 30 day lates?

Established Contributor

Is it true Kay Jeweler's doesn't report 30 day lates?

But only after 60 days late? 

 

Smiley Indifferent


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6 REPLIES
Super Contributor

Re: Is it true Kay Jeweler's doesn't report 30 day lates?

I will put your doubt to rest. Kay reports all lates including 30 days. Dont even tempt your fate, they are a pain to GW  Smiley Happy




Message 2 of 7
Valued Contributor

Re: Is it true Kay Jeweler's doesn't report 30 day lates?

I have kay cc but dont know if its true. Why risk it? Are you buying something and not sure if you gonna keep it by the time you have to pay?
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Message 3 of 7
Senior Contributor

Re: Is it true Kay Jeweler's doesn't report 30 day lates?

Somehow, that brings to mind the question of WHY you'd want to know?  Are you actively PLANNING to be 30 days late???



Zero percent financing is where the devil lives...

10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
Message 4 of 7
Highlighted
Established Contributor

Re: Is it true Kay Jeweler's doesn't report 30 day lates?

I ask cause my DH may have gotten one! I believe so by one day Smiley Mad

 

He called them and the rep told him they only report after 60 days of late payments so if you are late 60 days, they will report 2 30 day lates.

 

Weird!

 

BTW, nobody plans on 30 day lates!!

 

 


Starting Score: 615
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Message 5 of 7
Senior Contributor

Re: Is it true Kay Jeweler's doesn't report 30 day lates?

if your 1 day past the due date that would not be a 30 day late, but if your saying your 31 days late?

 

Also I noticed Kay has higher minium payments than all my other credit cards so I can why this could be easy to achieve

Message 6 of 7
Established Contributor

Re: Is it true Kay Jeweler's doesn't report 30 day lates?

@john398...haha yes they do have higher minimums! But in the box that tells you how many months to pay off is a whole lot lower which is good in the long run Smiley Wink

 

And yes, it was 31 friggin days late! We just have to wait and see....

However, having the rep mention the 60 days late is when we start reporting thing was unusual and good to hear!


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