Credit Cards Center Credit cards from our partners
Regular Contributor
Posts: 112
Registered: ‎03-09-2009

Kay Jeweler's CLI

I was wondering when Kay raised CL from when an account has been opened.  I opened my account in November, 09 and bought a watch, been paying the minimum and it's almost paid off now.  I was wondering when/if I could expect a CLI at 10 mos which is the amount of time they require before you can request a CLI.


When I called to ask, she said that I would have to go to a store to request the CLI, but I thought I heard others post that they received a CLI from Kay after 9-10 mos with out hard pull?

Frequent Contributor
Posts: 307
Registered: ‎10-09-2007

Re: Kay Jeweler's CLI

I have had my kays card since nov 08 haven't received a increase. Kay did soft me on my equifax last nov. Im not complaining my credit limit is 7500. Never going charge that much and haven't charge anything the last 5 months on it. But probably charge something on it in nov so they wont close it.

Regular Contributor
Posts: 159
Registered: ‎02-17-2010

Re: Kay Jeweler's CLI

 just got a credit limit increase tonight. I went to the store to buy my 2 month old daughter a pair of emerald(birth stone) earrings and me a nice watch. I asked for the salesman to call in for a credit increase knowing i got one in oct '09 from 1000 to 2100 limit, not thinking i would get one. They got me on the phone and stated that since the new laws are in effect they had to pull my Eq report. I was hesitant and then said yes anyways. She put me on hold and came back and said she would take me up 900 to 3000. I asked if she could go any higher and she said yes to 3300. Sucks for the hard pull but good for the 1200 increase.Smiley Indifferent.. if you want to take a hit go to the store and ask for an increase. The lady on the phone told me you could request on every 6 months.

Established Contributor
Posts: 834
Registered: ‎03-07-2008

Re: Kay Jeweler's CLI

Oh no! So this means they don't do auto cli's after 12 months? That anniversary is next month!!

Starting Score: 615
Current Score: 709
Goal Score: 750

Take the FICO Fitness Challenge
Established Member
Posts: 21
Registered: ‎01-19-2010

Re: Kay Jeweler's CLI

After reading this forum, i applied and just got approved online for a 2,000 CL.  BK 7 was discharged April 2010.  Scores are TU - 606, EQ - 616.  Thanks!

Starting Score: TU 544; EQ 533 (BK Ch7 Discharged 3/2010)
Current Score: TU 685; EQ 684
Alliant CU Visa 4,000; Barclay Bank 4500; Credit One 1,750; Kay 7,400; Merrick Bank 300; Lowes 4,500; Target 700; CFNA 1,200; Capital One 3,800; PayPal BML 3,500

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 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.

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.