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Kay Jewelers Card: UPDATE!!!!!!!!

Established Contributor

Re: Kay Jewelers Card

honestly, I dont know... I thought they were avid EQ pullers from the research, and that was my lowest score, but I didnt get a SW alert or CK alert so maybe EX? EX is my highest score, was 640 with 96% util, so I have no clue what it was at time of pull.

 

Maybe the alert wont show up for a couple of days, but both EQ and TU havent reported an inquiry.

In my wallet: Discover it 6800 CL, Capital One Quicksilver Sig 5k CL, Chase Freedom 4k CL, GCU Patinum Visa 1500 CL
Message 31 of 41
Valued Contributor

Re: Kay Jewelers Card: UPDATE!!!!!!!!

It should show up on eq as STERLING....at least thats what mine says. Your from mass right?
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 32 of 41
Established Contributor

Re: Kay Jewelers Card: UPDATE!!!!!!!!

I figured EQ would alert me that an inquiry posted, but its only been a couple days so maybe they will later. Im in Michigan though.

In my wallet: Discover it 6800 CL, Capital One Quicksilver Sig 5k CL, Chase Freedom 4k CL, GCU Patinum Visa 1500 CL
Message 33 of 41
Highlighted
Established Member

Re: Kay Jewelers Card: UPDATE!!!!!!!!

they did not approve me today. ugh!! I got married without any ring... we just went to City Hall to get it over with..


Starting Score FICO SCORE 8: Equifax 605, TU 609, Experian 620, Bankruptcy November 9, 2011 (Discharge Date)
Rebuilding. In my wallet CAP1 @ $300 now $500 after 6 months, Cap1 @ $300, Synchrony/Old Navy, Walmart @ $200 Auto loan - $25K @ $490/month, school loan $20K, 4 hard inquiry
Goal Score: 700



Message 34 of 41
Established Contributor

Re: Kay Jewelers Card: UPDATE!!!!!!!!

I wasn't approve either and actually was able to speak to an analyst. They consider all debt including school loans and want to see atleast 6-12 months of re-establishment of credit. Seems like the analyst are more particular then the computer lol

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge

Message 35 of 41
Established Contributor

Re: Kay Jewelers Card: UPDATE!!!!!!!!

Well, I just wanted to catch everyone up. My kays card has been great so far. should be paid off before the end of year.

 

I proposed to my gf on our 2 year anniversary (oct. 5th) and she said yes Smiley Happy getting married march 16th at Thorncrown Chapel in Eureka Springs, AR.

 

I know some people asked that I let them know how it went, so I wanted to come back and let everyone know how it went. Thanks again for all of the support, she LOVES her ring!

In my wallet: Discover it 6800 CL, Capital One Quicksilver Sig 5k CL, Chase Freedom 4k CL, GCU Patinum Visa 1500 CL
Message 36 of 41
New Contributor

Re: Kay Jewelers Card: UPDATE!!!!!!!!

Congrats!  I have a Jared card and had a Kay's card but recently closed it.  They're great with credit limits and increases if you ask them.

09/2013: TU FICO 692, EQ FICO 698, EX PLUS 709. No apps until December 2014!
Freedom: $1500 Cap1 Plat: $2000 Cap1 Cash: $1500 Barclays: $4000 Walmart: $2700 GE Luxury: $4800 Jared: $1500 Davids Bridal: $1500
Message 37 of 41
Established Member

Re: Kay Jewelers Card: UPDATE!!!!!!!!


jcstarkey8826 wrote:

Well, I just wanted to catch everyone up. My kays card has been great so far. should be paid off before the end of year.

 

I proposed to my gf on our 2 year anniversary (oct. 5th) and she said yes Smiley Happy getting married march 16th at Thorncrown Chapel in Eureka Springs, AR.

 

I know some people asked that I let them know how it went, so I wanted to come back and let everyone know how it went. Thanks again for all of the support, she LOVES her ring!



Congrats to you both!

TU 571 EQ 553 EXP 537 (5/2012) lender pulls
TU 653 EQ 602 (9/2012) myFico
TU 690 EQ 614 (10/2012) myFico
TU 690 EQ 632 (11/2012) myFico
Rebuilding again. This time I will!
TU 579 EQ 568 EXP 586 (2/2016) myfico
Message 38 of 41
Established Contributor

Re: Kay Jewelers Card: UPDATE!!!!!!!!

I got a Kay's card in 12/08.  I was in the early stages of rebuilding  back then, but my EQ had reached 700.  I had a store card from Sam's club with a good CL and a Sam's Discover.  Kay's gave me $6750 on a 2K purchase.  I paid that off on a one year no interest, then I got a nice watch.  Paid that off in 6 months no interest.  A year later they closed my acct. for non-use.  I called but they would not open again without another hard pull. They are now reporting my CL as Highest CL of 2K, no mention of my $6750 limit I had. 


Starting Score: 500's
Current Score: 773 EQ(DCU), 757 TU(Barclay), 788 EX(Credit.com)
Goal Score:760 X 3


Take the myFICO Fitness Challenge

Message 39 of 41
Established Contributor

Re: Kay Jewelers Card: UPDATE!!!!!!!!


guydiver wrote:

I got a Kay's card in 12/08.  I was in the early stages of rebuilding  back then, but my EQ had reached 700.  I had a store card from Sam's club with a good CL and a Sam's Discover.  Kay's gave me $6750 on a 2K purchase.  I paid that off on a one year no interest, then I got a nice watch.  Paid that off in 6 months no interest.  A year later they closed my acct. for non-use.  I called but they would not open again without another hard pull. They are now reporting my CL as Highest CL of 2K, no mention of my $6750 limit I had. 


yes, when I applied initially they told me I was approved with a limit of 4100. I put 2k on the ring and financed another 2k. Then when I get my report, it says my limit is only 3k. So far so good though. I hear to keep it active you have to make purchases once every six months or so. which will be fine with me, I have a family full of women haha birthdays and holidays will take care of that.

In my wallet: Discover it 6800 CL, Capital One Quicksilver Sig 5k CL, Chase Freedom 4k CL, GCU Patinum Visa 1500 CL
Message 40 of 41