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Valued Contributor
rootpooty
Posts: 1,711
Registered: ‎10-28-2011

Kay jewelers apply online or in store?

Like the title states I have figure out what item I would like to purchase and was explained they have a 12 month intro zero percent with 20 percent down.  Am I better off applying for store credit first online to see how much they give me or am I better off going to the store telling them what item i want then applying?  If anyone has done this before please chime in.  Thanks again

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Established Member
NoNonsense
Posts: 91
Registered: ‎02-13-2014

Re: Kay jewelers apply online or in store?

 

Why apply at all?  What's wrong with cubic zirconia at Walmart?

Mega Contributor
Creditaddict
Posts: 18,807
Registered: ‎10-23-2007

Re: Kay jewelers apply online or in store?


rootpooty wrote:

Like the title states I have figure out what item I would like to purchase and was explained they have a 12 month intro zero percent with 20 percent down.  Am I better off applying for store credit first online to see how much they give me or am I better off going to the store telling them what item i want then applying?  If anyone has done this before please chime in.  Thanks again


with Kay it will be faster and maybe slightly better outcome if you apply in store.. they will do it instantly. online it gets sent for review usually and they decision in like an hour or so (at least in the past they did) in store with ID in hand and purchase in hand of sales person might be good push though... but generally I usually just apply online for most things vs. in store unless we are talking Macy's and Bloomingdales which should be done in store!

Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
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Mega Contributor
coldnmn
Posts: 10,823
Registered: ‎08-08-2011

Re: Kay jewelers apply online or in store?

In my opinion apply in store they will be hot for the sale and call in if declined for the amount needed.

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Established Member
39Xelor
Posts: 124
Registered: ‎02-20-2014

Re: Kay jewelers apply online or in store?

It's probably always better to apply in store because 99% of the time if you are approved in store you're most likely going to make a purchase that same day on your new card! Which, of course is what they want! From what we see on this forum, more people have luck in store in these situations and usually receive higher CL's when they app in store! Best of luck to you! :smileyhappy:

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Valued Contributor
asphaltcowboy
Posts: 1,121
Registered: ‎02-03-2013

Re: Kay jewelers apply online or in store?

I agree with in store, you may get extra discount instead of the online price

just my opinion, good luck:smileyhappy:




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Established Contributor
wHiTeSoL
Posts: 1,038
Registered: ‎07-09-2013

Re: Kay jewelers apply online or in store?

I am bias against kay (they keep closing my accounts after paying off a 0% promo, happened twice already and for some stupid reason i keep reapplying) but why dont you spend that HP on a better card with an APR promo? The barclay arrival for instance will get you a long 0%, a 40,000 point bonus, a free fico score, and the ability to use the card outside of kay. The chase freedom is another option, or even the discover IT.

   3/12 $3500     6/12 $1200      10/12 $1500   12/12 $3400    6/13 $12000      7/13 $5000      7/13 $2500       8/13 $2000    8/13 $6000

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Valued Contributor
Themanwhocan
Posts: 1,306
Registered: ‎04-04-2013

Re: Kay jewelers apply online or in store?


wHiTeSoL wrote:
I am bias against kay (they keep closing my accounts after paying off a 0% promo, happened twice already and for some stupid reason i keep reapplying) but why dont you spend that HP on a better card with an APR promo? The barclay arrival for instance will get you a long 0%, a 40,000 point bonus, a free fico score, and the ability to use the card outside of kay. The chase freedom is another option, or even the discover IT.

This is what I was going to Post. That card has a high APR after the 12 months, something I would expect to have on a card with rewards. But the card has no rewards.

 

AND you have to pay 20% of your purchase price up front? For a card that can only be used at Kays?

 

What am I mising here? There has to be something i'm missing...

 

Even the US Bank Platinum (has no rewards) would be better. 15 months of 0%, plus with the spend you will put on it you should  be able to request a good CLI later, and then PC it to a Cash+. 


Frequent Contributor
toi34
Posts: 395
Registered: ‎01-31-2009

Re: Kay jewelers apply online or in store?

I guess it a matter of preference.

I applied online, it said check your email in an hour -- APPROVED for $3000.

There was no promo at the time, but they had black diamonds on sale for the holidays and I jumped on it!


May 2013 Starting Scores: 540's-570's [no credit cards, no inq's, 1 Student Loan 90 day late, CA's and CO's...most PFD'd!]
July 2014 Scores: 660's-680's ...Getting there!
Current Cards: SDFCU Secured ($300); Logix Secured ($500); Tobyhanna FCU ($5000); Barclay Apple Visa ($1200); Barclay Rewards MC ($1300); Discover It ($1100); 'Credit Steps' QuickSilver ($2300), PC'd QuickSilver One ($750);Care Credit ($3000); Kay's (3000); Fingerhut ($1050); **All my favorite Comenity and GE Store Cards ($11,100)....Luv'Em....they get heavy use!
Mega Contributor
Creditaddict
Posts: 18,807
Registered: ‎10-23-2007

Re: Kay jewelers apply online or in store?

to everyone that says open a credit card with promo instead of kays... the reason you get kays is because they will give you the CL!!

Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:

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