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Established Contributor
jcstarkey8826
Posts: 704
Registered: ‎06-01-2012
0

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

[ Edited ]

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: GCU Patinum Visa 1500 CL, Charter One Platinum Rewards 500 CL, Chase Freedom 800 CL, Wal Mart Discover Card 6300 CL, Kay Jewelers 3000 CL
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

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)
Established Contributor
jcstarkey8826
Posts: 704
Registered: ‎06-01-2012
0

Re: Kay Jewelers Card

[ Edited ]

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: GCU Patinum Visa 1500 CL, Charter One Platinum Rewards 500 CL, Chase Freedom 800 CL, Wal Mart Discover Card 6300 CL, Kay Jewelers 3000 CL
Frequent Contributor
kimmiller112
Posts: 469
Registered: ‎04-09-2012
0

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 $5000 - Barclays Sallie May $2700 - Chase Freedom $1000 - Capital One $8500 (business) - store cards ranging from $500-$9500
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

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)
Established Contributor
jcstarkey8826
Posts: 704
Registered: ‎06-01-2012
0

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 :smileyhappy:

 

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! :smileyhappy:

In my wallet: GCU Patinum Visa 1500 CL, Charter One Platinum Rewards 500 CL, Chase Freedom 800 CL, Wal Mart Discover Card 6300 CL, Kay Jewelers 3000 CL
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

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)
Established Contributor
kobe2012
Posts: 691
Registered: ‎03-16-2012
0

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: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Established Contributor
jcstarkey8826
Posts: 704
Registered: ‎06-01-2012
0

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: GCU Patinum Visa 1500 CL, Charter One Platinum Rewards 500 CL, Chase Freedom 800 CL, Wal Mart Discover Card 6300 CL, Kay Jewelers 3000 CL
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

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)

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