11-17-2009 01:29 PM
So, I was going through some of the forums today and noticed a lot of discussion about Kay Jewelers and I decieced to apply online. I applied and got: Thank you for your interest in Kay Credit. Your application is currently under review. You will receive an email from Kay.com giving you an application status update within one hour.
I then checked my email like 10 minutes later and I got: Thank you for applying for a Kay Jewelers Credit Account. We were unable to fully process your request for instant credit at this time. We will notify you via US mail of our decision regarding your request for a Kay Jewelers account within 20 business days.
I then said to myself, okay, this must be a denial. I then deciced to call customer care to speak with someone about the status of my application, I spoke with a nice lady that informed me that my application needed additional verification before a decesion could be made. I already figured it would being that I have a freeze on my Transunion file, and fraud alrets on my Experian and Equifax files. This indeed did delay the application process. I was told to stop by my local Kay Jeweler's with my driver's license, a phone bill, and a copy of my pay stub. I arrived to the store and provided them with the documents and they contacted the credit department, which took about 15 minutes. After, the store clerk hang up with the credit department, she said they did approve me with a credit limit of: $400. I was shocked that I didn't get a denial because I have A LOT of inquires on my Experian report and my credit is fairly new. She wrote my account number down and asked if I'd like to purchase anything today, I took her card and said maybe another day.
11-17-2009 04:08 PM
As mentioned, check for sales & this can be helpful maybe this Christmas....or whichever holiday you might personally celebrate!
Repairing credit happens in baby steps. Little by little, try for CLI's to boost available credit!
11-17-2009 04:15 PM
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.
* 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.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.