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Regular Contributor
william23
Posts: 115
Registered: ‎10-09-2010
0

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.

 

Thanks

Established Contributor
mross1080
Posts: 526
Registered: ‎04-21-2010
0

Re: Kay Card Need Help

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

Frequent Contributor
hedgeclipper2
Posts: 421
Registered: ‎07-21-2010
0

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.

 

:smileyhappy:

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My favorite card right now: Barclays Priceline Visa Signature
Epic Contributor
Creditaddict
Posts: 22,067
Registered: ‎10-23-2007
0

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.

Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:
Regular Contributor
william23
Posts: 115
Registered: ‎10-09-2010
0

Re: Kay Card Need Help

I see thanks! I don't want an inquiry :smileysad:

Senior Contributor
Walt_K
Posts: 3,065
Registered: ‎11-02-2009
0

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


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