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

Established Contributor

Re: Kay Jewelers Card

no, the highest one was $500 ... kay is my highest limit so far


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
Frequent Contributor

Re: Kay Jewelers Card

Good luck - both with the card, and Oct 5 - let us know how it turns out - on both accounts!!


Starting Score: 492 02/12
Current Score: TU: 668 (FICO), EQ: 668 (FICO). EX: 651(lender pull 9/27/12)
Goal Score: 660



Established Contributor

Re: Kay Jewelers Card

One card I got in january this year and the other in june this year. I have never been late on either and have them both at low util. crossing my fingers for a decent limit! Smiley Happy

 

thanks guys!

In my wallet: Discover it 6800 CL, Capital One Quicksilver Sig 5k CL, Chase Freedom 4k CL, GCU Patinum Visa 1500 CL
Established Contributor

Re: Kay Jewelers Card

good luck!!! let us know the outcome... Smiley Wink


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
Valued Contributor

Re: Kay Jewelers Card

Good luck!
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)
Frequent Contributor

Re: Kay Jewelers Card

When I got mine in 2009, I had three starter cards, two with a CL of $300 and the other with a CL of $500.  I can't remember my income at that time but I know it was under $25,000, probably around $20,000.  I don't know what my credit scores were at that time - I know they were bad and there is a good chance they were under or around 600.  I was very suprised to get a CL of around $3000 with Kay.  And they did an auto CLI which what I consider very little card use.

 

If you are going to Kay anytime soon, please keep us updated on your results.

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
Established Contributor

Re: Kay Jewelers Card


kimmiller112 wrote:

When I got mine in 2009, I had three starter cards, two with a CL of $300 and the other with a CL of $500.  I can't remember my income at that time but I know it was under $25,000, probably around $20,000.  I don't know what my credit scores were at that time - I know they were bad and there is a good chance they were under or around 600.  I was very suprised to get a CL of around $3000 with Kay.  And they did an auto CLI which what I consider very little card use.

 

If you are going to Kay anytime soon, please keep us updated on your results.


thats every detail I was looking for, score current card limits, and income. I am going to Kay this month. As soon as EQ removes my final judgment and my CCs update to $30 balance and $0 I plan to apply. I will let you guys know what the outcome is!

 

Thanks again Smiley Happy

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

Re: Kay Jewelers Card

Kay's was very nice to me. I had a BK in '08 and 4 current open tradelines that are current and PIF every moth, and Kay's gave me 5100 cl. I do make 54k and i think that helps alot, along with being 4 years current on ALL bills. IMO you shouldnt have no problem getting a decent limit with them. Good luck and keep us informed.


Starting Score: 580
Current Score: 663
Goal Score: 750


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Established Contributor

Re: Kay Jewelers Card

well my judgment came off EQ today, only 5 points Smiley Sad lol but once my CC payments reflect it'll bring my util down to 6% from 96%. myfico sim has this bringing my score to the 660-700 range. so cross your fingers and as soon as they hit Im headed up to kays.

 

Very nervous though, as this is the first credit app where I wasnt gauranteed approval (my other CCs are only because one is secured and I was an employee of my best card issuer, unsecured rewards, otherwise I wouldve been declined) So im a little scared to hear a declined after 2 years of work, but keep crossing those fingers and i should have an update in a couple weeks!

 

Thanks guys! Smiley Happy

In my wallet: Discover it 6800 CL, Capital One Quicksilver Sig 5k CL, Chase Freedom 4k CL, GCU Patinum Visa 1500 CL
Established Contributor

Re: Kay Jewelers Card

Well, my CC util updated (only one card so far) and I got my SW alert so... I couldnt wait for the other to update, last night I went into the store and found the perfect ring. I hate applying for credit and was so nervous waiting for the decision, as this is the first credit app Ive put in, where I wasnt gauranteed approval, in a long long time.

 

Came back approved for 0% down, 0% for 12 months and a CL of 4100 Smiley Happy

 

Thanks for all of your help, I'll be waiting until april to see where my score is and try to add some prime cards! thanks guys!

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