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

Valued Contributor

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

Congrats bro!
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 21 of 41
Valued Contributor

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

CONGRATULATIONS!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Message 22 of 41
Regular Contributor

Re: Kay Jewelers Card

Congrats!

Message 23 of 41
Regular Contributor

Re: Kay Jewelers Card

Make sure you read the fine print...I recently got an account also. I'm pretty sure it's 20% down...Yes, they let me walk out of the store with nothing down, but I had to come back, in 30 days, and put down 20%, to take advatnage of their 0% for 12 months. (Even their website says the same thing, under financing options.)

 

 

jcstarkey8826 wrote:

 

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

 


 

Chase Southwest $5000 - November 2012 Wal Mart $1000 - November 2012 NFCU Visa $5,000 - Sept 2012 NFCU NavCheck $3,000 - October 2012 Amazon $900 - Aug 2012 Kay's Jewlery $2700 - Aug 2012 Buckle $250 (Shopping cart trick) - October 2012 Roaman's $250 (Shopping cart trick) - October 2012 Capital One Secured $225 - April 2012 Capital One Platinum $2500 - July 2012
Message 24 of 41
Valued Contributor

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

@XxravenxX
I believe theres two different offers. When i applied i was given 0% down, 0% 12 months on first purchase ONLY.
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 25 of 41
Established Contributor

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

I dunno, they did mention before the app about 20% down, but then when we got the approval he said I didnt have to put any down. I offered to pay 20% right there if I needed to put it down, but he told me it was none down, but he could apply it to the ring if I wanted to put something on it. I put some, but not 20%... I'll call and make sure Smiley Happy either way I can do it if need be.

In my wallet: Discover it 6800 CL, Capital One Quicksilver Sig 5k CL, Chase Freedom 4k CL, GCU Patinum Visa 1500 CL
Message 26 of 41
Frequent Contributor

Re: Kay Jewelers Card

Congrats!  On both finding the perfect ring AND The approval!  Now, just be patient for October Smiley Happy

Back in the garden!
App free since 23Oct2012 reset to 27Aug13 and reset again 4nov13
Message 27 of 41
Established Contributor

Re: Kay Jewelers Card


codimom wrote:

Congrats!  On both finding the perfect ring AND The approval!  Now, just be patient for October Smiley Happy


Thank you! Oh yes, I still have tons of planning to do before Im ready. I need all the time I can get lol

In my wallet: Discover it 6800 CL, Capital One Quicksilver Sig 5k CL, Chase Freedom 4k CL, GCU Patinum Visa 1500 CL
Message 28 of 41
Moderator Emeritus

Re: Kay Jewelers Card


jcstarkey8826 wrote:

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!


 

That's wonderful! Congrats on getting approved, and with such a nice limit! Smiley Happy

 


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 29 of 41
Regular Contributor

Re: Kay Jewelers Card

CONGRATULATIONS!! Nice cl too...who did Kay pull for you?

started mid 500's. Disputed incorrect items and within a month or two my scores have skyrocketed and continue to do so
EQ: 755 as of 8/2013
TU: 700
Experian(or as I call them, the devil) I have no clue, they haven't released my report
Goal=801 across the board!!! Not too far from this, hoping to garden until Christmas 2013
Message 30 of 41