I think because they do their own lending they tend to be more generous than other banks. My credit is not great and I have high utilization and a charge off 12 years ago from Kay's that I never paid and I was just able to open a Jared account. Initially I was declined but the manager was able to have it overturned because it was more than 10 years ago. They verified my employment and gave me $3500. Its worth a shot.
Starting Score: EQ 500 TU 500 EX 500 
When I was rebuilding my EQ was 570 or so and Jared gave me $1100 just know if you open Jared and Kay they both will share the limit. Example if you get approved for Kay at $1200 and open a Jared the credit line splits you will have $600 on each
To the OP. Did you apply? (=
I applied for Kay and Jared almost a year ago and was approved for 4k, not knowing the two accounts shared the credit limit jointly until after they reported to the CRAs. I don't remember if I had collections still or if they had already been deleted. They pulled EQ and my score was just over 600. I think I had collections & probably why I applied for store cards at the time.
No CLI yet, but I can't decide which one I want to close so I can have one account report 4k limit instead of two accounts splitting the limit on my CRs. They served their purpose very well. I'm no longer rebuilding, just building now. I do regret buying those expensive Citizen Eco Drive watches and carrying balances on those accounts.
