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Regular Contributor
almost_there
Posts: 231
Registered: ‎04-26-2008

Kay Jewlers

After reading up a bit on Kay Jewlers on this site, I decided to give the application a whirl. Hooray! I was approved for a card with a $2k limit.  My question is this: Will this new limit (now my highest) bode well in getting higher limits on other cards?
11/2013 FICO: 517 (TU), 560 (EX), 539 (EQ)
11/2013 FAKO: 593 (TU), 591 (EX), 595 (EQ)
Regular Contributor
almost_there
Posts: 231
Registered: ‎04-26-2008

Re: Kay Jewlers

Further to the above, I'm specifically curious about a card like Macy's who has me stuck at $100. When I reapply, will they see the $2k Kay limit and become more amenable to budging a bit?
11/2013 FICO: 517 (TU), 560 (EX), 539 (EQ)
11/2013 FAKO: 593 (TU), 591 (EX), 595 (EQ)
Established Contributor
contractor
Posts: 697
Registered: ‎03-09-2008

Re: Kay Jewelers

Umm....not so much, sorry. The additional available credit certainly helps your overall utilization but I seriously doubt it will significantly impress Macy's. They should grow with you nonetheless. It is a gradual growing, don't expect miracles.
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"No good deed goes unpunished"




There is nothing more simple, nothing more complex than the relationship between Country Boy and Dog.
Regular Contributor
almost_there
Posts: 231
Registered: ‎04-26-2008

Re: Kay Jewelers

Thanks. Just wondering if it would correlate to non-store credit cards. I'd read pretty consistently on this site that you're more likely to get cards with limits $1k and above once you reach $1k with another card.  Oh, well.  I grateful for the Kay's account, most certainly. 
11/2013 FICO: 517 (TU), 560 (EX), 539 (EQ)
11/2013 FAKO: 593 (TU), 591 (EX), 595 (EQ)
Established Contributor
contractor
Posts: 697
Registered: ‎03-09-2008

Re: Kay Jewelers

It's a step forward, not back. I just don't think Jewelery stores carry much clout. I may be wrong, just basing the opinion on the fact that they seem to be the easiest to get lines with. Who knows now days? It sure beats a stick in the eye.
/\/\/\/\/\/\/\/\/\/\/\/\/\/\/\/\/\/\/\/\/\/\

"No good deed goes unpunished"




There is nothing more simple, nothing more complex than the relationship between Country Boy and Dog.
Regular Contributor
benben7
Posts: 116
Registered: ‎08-10-2009

Re: Kay Jewelers

Good morning Almost_there,

 

I have 2 questions for you. When you applied for your card did you do it online or in store? My other question is did your score increase with the new credit line?

 

Thanks,

 

benben7


Starting Score: TU 675 EX 643
Current Score: TU 702 EX 677
Goal Score: TU 730 EX 730


Take the FICO Fitness Challenge
Regular Contributor
sleephla541
Posts: 108
Registered: ‎01-28-2010

Re: Kay Jewlers

Hey Almost_there,

 

Congrats on your success with Kay Jewlers. 

 

Question for you:  Did they tell you what bureau they pulled from for the 2K limit?

 

TU: 752, EQ: 761, EX: 745
Frequent Contributor
elaine829
Posts: 273
Registered: ‎10-09-2007

Re: Kay Jewlers

Kays is a equifax puller. I have a kay card with a credit limit of 7500 which was my starting limit. Had the card since nov 08. Will not ask for a credit increase will wait till they give me one because 7500 is more than enough. My score at the time was 690.
Regular Contributor
lisac
Posts: 144
Registered: ‎04-21-2008

Re: Kay Jewlers

i got my kay card in Nov 08 too. started with $5000. Nov 09 auto increase to $7500. bought someting for $100 dec 09, then another cli to $7800.  but everyone else is either raising apr or cld me.  scores around 670.
Regular Contributor
benben7
Posts: 116
Registered: ‎08-10-2009

Re: Kay Jewlers

 

 

Hello Elaine,


How are you? My question is once you got your kay cc did you receive an increase in your fico score? If so, would you telling me how many points.

 

Thanks

 

benben

 

 


 

 


Starting Score: TU 675 EX 643
Current Score: TU 702 EX 677
Goal Score: TU 730 EX 730


Take the FICO Fitness Challenge

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