Reply
Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012

KAYS/STERLING Credit Card

i have a KAY JEWLERS Store card that has been dormant for almost 2years. about 3 weeks ago i put a $1000 charge on it. i plan on paying the full amount friday. my statement cut the 14th of this month so the balance got reported and killed my util% so i want to make sure it does not get reported again lol. my question is to anyone that has this card or that might know when kays reports? im having an issue figuring this out. i checked my Equifax report and it said last reported date was 7/1/12 but the statement didnt cut till the 14th but my SW alert and EQ alert just came in about 6 days ago. so im trying to figure out if they just always report on the 1st or if they report the statment balance? if anyone knows can you please enlighten me:smileywink:



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Community Leader
Senior Contributor
StartingOver10
Posts: 3,829
Registered: ‎03-06-2010

Re: KAYS/STERLING Credit Card

I have Jared's which is also a Sterling card (same people).

 

They report the statement balance. For me they report on the 22nd of each month and the payment was due on the 14th (IIRC).

I called and asked them what date they report. They seem to be pretty responsive and knowledgeable for CSR's.

Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012

Re: KAYS/STERLING Credit Card

I just looked into it a little further and you are in fact absolutely right :smileywink: they always report on the 22nd



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: KAYS/STERLING Credit Card

What bureau did they pull for getting the account?



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012

Re: KAYS/STERLING Credit Card


LS2982 wrote:
What bureau did they pull for getting the account?

they pulled EQ for me when i first opened the account and then pulled hard on EQ again a month ago for a CLI



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+