Reply
Valued Contributor
Posts: 1,987
Registered: ‎06-25-2012
0

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)
Valued Contributor
Posts: 2,829
Registered: ‎03-14-2012
0

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
Regular Contributor
Posts: 107
Registered: ‎07-26-2012
0

Re: Kay Jewelers Card

Congrats!

Regular Contributor
Posts: 201
Registered: ‎08-19-2012
0

Re: Kay Jewelers Card

[ Edited ]

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 :smileyhappy:

 


 

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
Valued Contributor
Posts: 1,987
Registered: ‎06-25-2012
0

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)
Established Contributor
Posts: 710
Registered: ‎06-01-2012
0

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 :smileyhappy: either way I can do it if need be.

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
Posts: 423
Registered: ‎09-08-2010
0

Re: Kay Jewelers Card

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

Back in the garden!
App free since 23Oct2012 reset to 27Aug13 and reset again 4nov13
Established Contributor
Posts: 710
Registered: ‎06-01-2012
0

Re: Kay Jewelers Card


codimom wrote:

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


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: 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
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
0

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 :smileyhappy:

 

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! :smileyhappy:

 


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
Regular Contributor
Posts: 214
Registered: ‎08-02-2012
0

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
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.