Reply
Regular Contributor
Posts: 169
Registered: ‎11-01-2009
0

Jared® The Galleria Of Jewelry- Approved!

Today I applied online for a Jared credit account and after the application was complete I got: Thank you for your interest in Jared® The Galleria Of Jewelry Credit. Your application is currently under review. You will receive an email from Jared.com giving you an application status update within one hour.About 5 minutes later a credit rep. called to verify it was me who applied due to the fraud alert on my credit file. He verified me and told me to check my email in about an hour for an update. I checked my email about 10 minutes later and got: Congratulations! Your application for credit with Jared® The Galleria Of Jewelry has been approved and is available for immediate use. Your account number and credit line are listed below.  My credit limit is: $400 which is the same amount as my Kay account. I was expecting it to be this amount too. I believe it is due to the fact that I am only 18, I am just starting to build my credit, and I am a full-time student with little income. It's a good feeling to be approved instead of being denied and having hard inquires. I just thought I would share this with you guys. Now I have the following cards:Suncoast Schools FCU Student Visa: $500Kay Jeweler’s: $400Citi Platinum Select Visa for College Students: $500Jared Jeweler’s: $400 I should be able to grow with all of this, right?  

Starting Score: 665
Current Score: 715
Goal Score: 750


Take the FICO Fitness Challenge


Valued Contributor
Posts: 1,524
Registered: ‎08-17-2008
0

Re: Jared® The Galleria Of Jewelry- Approved!

seems to me that you are on a bright start on credit building. keep in mind your inquiries will hurt for 1 year and will fall off in 2 years. just keep your utilization under 10% if possible. also there is another jared/kay jeweler you can apply for and get the same credit line since they are owned under sterling. i forgot what it is but its in the forums. also instead of applying for more credit let your current cards age and grow then ask for a cli or even a pc to a different card.

$100K in Credit
Last Credit Card App: 11/16/13
Contributor
Posts: 79
Registered: ‎03-06-2008
0

Re: Jared® The Galleria Of Jewelry- Approved!

I wish i had this forum when i was your age..kudos to you....

Starting Score: 690
Current Score: 747
Goal Score: 750


Take the FICO Fitness Challenge
New Contributor
Posts: 61
Registered: ‎02-07-2008
0

Re: Jared® The Galleria Of Jewelry- Approved!

FYI

 

I am an employee of Jared and just wanted you to know that even though you have a Kay's account and a Jared account, your CLI is shared between the 2 stores. I run into it all the time with my guests. So even though you have $400 with each for a total CLI of $800, you'll only have $400 as available credit. It can be frustrating. At least it will report 2 accounts in good shape tho..........


Starting Score: EQ 500 TU 500 EX 500
Current Score: EQ 590 TU 658 EX 647 3/23/15 Recommitted to Fico Health! :smileyhappy:
Goal Score: 675
New Contributor
Posts: 80
Registered: ‎10-09-2009
0

Re: Jared® The Galleria Of Jewelry- Approved!

Congrats on your approval:smileywink: you should have a nice credit future. Just make sure you never miss a payment if you carry a balance at all.

 

Good luck Keith

Regular Contributor
Posts: 169
Registered: ‎11-01-2009
0

Re: Jared® The Galleria Of Jewelry- Approved!

Thanks! I can't wait to land a spot in the 700 club...

Starting Score: 665
Current Score: 715
Goal Score: 750


Take the FICO Fitness Challenge


Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.