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Kay Jeweler's CLI...how does it work?

Mega Contributor

Re: Kay Jeweler's CLI...how does it work?


Stage24u wrote:

I have had a Kays card for 1yr now, $7600 limit.

 

Spent $1200 intitially, when card was opened, and that has been paid off in full.

 

Card has a $0 balance as we speak.

 

How do I go about getting a CLI for a larger amount? In store only? via phone?

 

Also, does Kays do SP CLI or is only a HP?

 

 


I asked while in store and the Mgr. requested one for me and got it with no HP.

 

My reports are frozen so it was definitely a SP, now I would think if yours are not frozen they might go HP.




EQ FICO 548 3/3/16
Message 11 of 14
Valued Contributor

Re: Kay Jeweler's CLI...how does it work?


LS2982 wrote:

Stage24u wrote:

I have had a Kays card for 1yr now, $7600 limit.

 

Spent $1200 intitially, when card was opened, and that has been paid off in full.

 

Card has a $0 balance as we speak.

 

How do I go about getting a CLI for a larger amount? In store only? via phone?

 

Also, does Kays do SP CLI or is only a HP?

 

 


I asked while in store and the Mgr. requested one for me and got it with no HP.

 

My reports are frozen so it was definitely a SP, now I would think if yours are not frozen they might go HP.


I'm pretty sure existing lenders can pull right through your freeze.


   3/12 $3500     6/12 $1200      10/12 $1500   12/12 $3400    6/13 $12000      7/13 $5000      7/13 $2500       8/13 $2000    8/13 $6000

  | CSP (AU) $12,000 | Amex PRG (AU) | United $6,000 | OCCU $12,000 | Ink Bold | GM $3,200 | DCU $7500 | Luthansa $9000 | SPG $6,000 | Citi AA Executive $11,000 | Ink Plus $5,000                                                                         | EX 2/7 697 | EQ 10/27 721 | TU 12/15 719 |

Message 12 of 14
Senior Contributor

Re: Kay Jeweler's CLI...how does it work?


wHiTeSoL wrote:

LS2982 wrote:

Stage24u wrote:

I have had a Kays card for 1yr now, $7600 limit.

 

Spent $1200 intitially, when card was opened, and that has been paid off in full.

 

Card has a $0 balance as we speak.

 

How do I go about getting a CLI for a larger amount? In store only? via phone?

 

Also, does Kays do SP CLI or is only a HP?

 

 


I asked while in store and the Mgr. requested one for me and got it with no HP.

 

My reports are frozen so it was definitely a SP, now I would think if yours are not frozen they might go HP.


I'm pretty sure existing lenders can pull right through your freeze.


+1

 

Yes, there is evidence that suggests that - again depending on the lender.

Message 13 of 14
Highlighted
Frequent Contributor

Re: Kay Jeweler's CLI...how does it work?

Just to add another data point to this discussion:

 

I've had my Kay's card since December 2012 and only used it twice (once upon opening acct & once in June for watch repair).

 

Kay did an AR on 09/01/13 and gave me a $2400 auto-CLI on 10/10/13...OP, check your TU report and see if they softed you.  In my congratulations letter they specifically mentioned the upcoming holidays and I quote, "To help make your holidays absolutely magical, I am pleased to inform you that your line of credit has been extended to $X,XXX."


Any advice given is always YMMV...

Current FICOs: 740+ across the board | Goal: >760 FICO | Total CLs: $63.3k/$60k Goal | Utilization: 19% | Last App: 05/01/2014 | INQ: EX: 10, EQ: 8, TU: 5, All Expire 06/2016; No Collections/Charge Offs/BK's | AAoA: 7yrs.
| All Reports Frozen!!! | No Apps til 12/2015 | Homeowner since: 06/28/13 | White Whales: Marriott Rewards, Discover IT, Sallie Mae WMC, Sams MC
Message 14 of 14