Credit Card Center Advertiser Disclosure

Regular Contributor
Posts: 170
Registered: ‎10-09-2010
0 Kudos

Kay Card Need Help

I currently have a kay card with $400 limit I am getting ready to propose to my girl and I need advice from you guys.


Acct is new hasn't been open a month I recently put 221 dollars on it, but I paid it off already left 5 dollars so when the stmnt cycles there's activity.


I want to get a CLI, I can buy the ring cash but I want to put at least 900 on the card to build history ect. ect. Should I try to call them up and request one. Or just leave it buy the ring with my own money and request a CLI after 6 months.



Established Contributor
Posts: 526
Registered: ‎04-21-2010
0 Kudos

Re: Kay Card Need Help

I wouldnt think they could give a cli so fast but its worth asking.

Frequent Contributor
Posts: 427
Registered: ‎07-21-2010
0 Kudos

Re: Kay Card Need Help

Not sure about the CLI request.  But congrats on the proposal!


I do know that you CAN spend over your limit.  Call them and ask how much over you can spend.


Smiley Happy

My favorite card right now: Fidelity Investment Rewards Visa Signature
Epic Contributor
Posts: 29,452
Registered: ‎10-23-2007
0 Kudos

Re: Kay Card Need Help

You have to go in store to ask for CLI and they call and put you on phone... Chances are since it's just opened, you won't get one, but wouldn't hurt to ask I suppose... also might land yourself another inq. so keep that in mind.

Regular Contributor
Posts: 170
Registered: ‎10-09-2010
0 Kudos

Re: Kay Card Need Help

I see thanks! I don't want an inquiry Smiley Sad

Senior Contributor
Posts: 3,070
Registered: ‎11-02-2009
0 Kudos

Re: Kay Card Need Help

How soon are you looking to get the ring?  Can you put $400 down on the card now, then pay the card off and put another $400 on next month.  The jeweler might even let you take the ring and pay the rest the following month.  Or, if you pay the card off immediately after charging the $400, can you charge another $400 that same month.  I think you can do that. 

Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720

Take the FICO Fitness Challenge

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† 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.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

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

IMPORTANT INFORMATION: All FICO® Score products made available on 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.