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

Established Contributor

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

So I hear they are pretty easy to get. As soon as this dispute updates and judgment is removed, I was considering apping for one.

 

I was just wondering why peoples limits vary so much. Is it income based? Some people with the same score have thousand dollar differences in their limits.

Or is it relative to the other cards they have at the moment?

 

P.S. Im very new to this lol

In my wallet: Discover it 6800 CL, Capital One Quicksilver Sig 5k CL, Chase Freedom 4k CL, GCU Patinum Visa 1500 CL
Message 1 of 41
40 REPLIES
Valued Contributor

Re: Kay Jewelers Card

I got this card back in december or january(20 at the time) they gave me a 5.6k cl. The lady that works there told me that you have better chances when applying at store while trying to buy something.
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 2 of 41
Established Contributor

Re: Kay Jewelers Card

I will apply in the store for sure if that helps, and I will have the money to buy the ring incase I get declined, but I would like to have a card with atleast 1k limit reporting and just garden for a bit. what were your scores if you dont mind me asking, and were your other CCs you had around the same limit?

 

Im just curious that if my card limits are $500 they will only approve me $500 even with scores in the 660s and up.

In my wallet: Discover it 6800 CL, Capital One Quicksilver Sig 5k CL, Chase Freedom 4k CL, GCU Patinum Visa 1500 CL
Message 3 of 41
Frequent Contributor

Re: Kay Jewelers Card

I got my Kay Jewelers card in 2009 while I was rebuilding my credit from a bankruptcy in 2005.  I applied in the store when I bought a necklace.  I was approved for around $3000 and I would make a purchase under $500 every 6 months to keep it active.  In 2011, I had an auto CLI to $7800.  But, yes, you will need to have an income to put on the application.  In 2009, my income was under $25,000. 

Barclays USAir World MC $8300 - DCU $7500 - USAA World MC $7000 - PayPal Extras MC (GE) $5500 - Chase Saphire Preferred $5000 - Discover It $6000 - Barclays Sallie May $2700 - Chase Freedom $1000 - Capital One $8500 (business) - store cards ranging from $500-$9500
Message 4 of 41
Valued Contributor

Re: Kay Jewelers Card

My scores back then were 675 eq(what they pulled). and had 4 cards bofa plat plus 2k, macys 1k, kohls 300 and barclay apple 1.3k.
I was trying to buy a 1.5k ring and was surprise when she told me the cl.
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 5 of 41
Established Contributor

Re: Kay Jewelers Card

my income is 30k per year, so Im ok with having income. I just didnt know if people were having scores around mid 600 and getting low limits because my other 2 CCs only have a 500 limit. Thats all Smiley Happy

 

Im proposing Oct. 5th with or without the card, but Im hoping EQ and my util updates before then so I can go in and get the card. It would be nice to get any limit over 500 for once! Smiley Happy

In my wallet: Discover it 6800 CL, Capital One Quicksilver Sig 5k CL, Chase Freedom 4k CL, GCU Patinum Visa 1500 CL
Message 6 of 41
Valued Contributor

Re: Kay Jewelers Card

Chances are you might get it a higher then 500 limit. My income is 25k and was given that.
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 7 of 41
Established Contributor

Re: Kay Jewelers Card

my credit score was in the really low 600's on my EQ when they approved me for $1500 back in june..... I was hoping it would've more but I'm not complaining since I am

rebuilding....


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 8 of 41
Established Contributor

Re: Kay Jewelers Card


kobe2012 wrote:

my credit score was in the really low 600's on my EQ when they approved me for $1500 back in june..... I was hoping it would've more but I'm not complaining since I am

rebuilding....


were your other cards higher than $500 limits?

In my wallet: Discover it 6800 CL, Capital One Quicksilver Sig 5k CL, Chase Freedom 4k CL, GCU Patinum Visa 1500 CL
Message 9 of 41
Valued Contributor

Re: Kay Jewelers Card

How old are your cards? and good history on them?
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 10 of 41