Credit Cards Center Credit cards from our partners
Reply
Regular Contributor
Posts: 173
Registered: ‎10-20-2007
0

Re: Kays Instant Approval


rom828 wrote:

Duplex wrote:
I applied online and only got an $800 limit.  How often do they give CLI?

Wow!  I don't want to risk applying only to receive such a low CL.  Maybe these other posters applied in-store and/or for a purchase and thus received higher limits.

 

Any of you that got these high CLs...could you please chime in with more info:  method of apping, scores and baddies, utilization, HHI etc that may have influenced the CL decision

 

 


 

After reading these posts, I decided to apply online. I have 3 baddies from 6 years ago. They were all settled and paid but are still hurting my score, Aanyway I was approved for $2000 CL. My score is 662.
"All I want for Christmas is to be able to pay our debts"
Established Member
Posts: 31
Registered: ‎06-15-2009
0

Re: Kays Instant Approval

Wanted to spread my good news too Smiley Very Happy

 

My DH and me went to Kay's yesterday.....he has a EX score of 567 and got approved for $550 CL, I applied too.....I have a ex score of 641 and got approved for $6500 !!!

 

Good Luck!

Established Contributor
Posts: 857
Registered: ‎03-07-2008
0

Re: Kays Instant Approval

[ Edited ]
Wow....please answer rom828's question! I'm soooo curious to know! I need another TL badly!
Message Edited by happy0510 on 06-18-2009 09:50 AM

Starting Score: 615
Current Score: 709
Goal Score: 750


Take the FICO Fitness Challenge
Regular Contributor
Posts: 131
Registered: ‎12-21-2008
0

Re: Kays Instant Approval

[ Edited ]
I went online, put a $90 pair of earrings in my cart & then applied.  I don't know if that made a difference or not, but I'm thrilled and will LOVE those earrings!!!!
Message Edited by QueenBean on 06-18-2009 09:55 AM

Starting Score: 527
Current Score: 679
Goal Score: 800


Take the myFICO Fitness Challenge
New Contributor
Posts: 74
Registered: ‎03-24-2009
0

Re: Kays Instant Approval

When I was approved online it said that my credit was available for immediate use.  Does that mean online only or in the store as well?
Valued Member
Posts: 36
Registered: ‎03-24-2009
0

Re: Kays Instant Approval

I applied online I did not even know you have better chance of getting approved in store. They pulled my credit report because it asked questions about my credit. I have only applied for this and a Home Depot Card in the last 2 year so I was very happy. I intend to make a purchase at the store shortly.

Starting Score: TU 560
Current Score: TU 750 EQ 731 EX 728?
Goal Score: TU 750+ EQ 750+


Take the FICO Fitness Challenge
Established Member
Posts: 31
Registered: ‎06-15-2009
0

Re: Kays Instant Approval

no purchase here......just went in and applied.  they always say in store apps are better, can't remember why, though.

i believe once you get the card you can purchase on line if approved in store.  i saw the paper w/ my limit on it and he said if i wanted to buy something before i got my card, to come to the store.

 

my unerstanding though from another thread was you need to purchase something in two yrs or they decrease your CL....

 

good luck! Smiley Happy

Valued Member
Posts: 48
Registered: ‎11-21-2007
0

Re: Kays Instant Approval

I got approved for Kay's and two weeks later for Jared.  It is my understanding that each report as a separate TL on your credit report with the full limit of each, but you actually share the limit between the stores since they are affiliated.  I applied online, and got $2000 limit for each one.  You do not have to buy something right away to get the card.

 

1)  Online

2)  592 (EQ) BK discharged 3/09 - 3 public records (2 BKs and a satisfied judgment); 12 negative accounts (but all zero due to BK); 1 $710 collection still showing a balance although it is incorrect, 2 positive student loans.

3)  Zero for revolving accounts.

4)  $69,300/yr.

FICO® Scores 11/07: TU 531 -- EQ 457 -- EX 464; 08/09: TU 518 -- EQ 597 -- EX ??;
09/09: TU 590 -- EQ 610 -- EX ??; 05/10: TU 610 -- EQ 611 -- EX ??
EQ: 17 to 4 baddies; 3 to 1 public records
EX: 24 to 5 baddies; 2 to 1 public records
TU: 28 to 2 baddies; 3 to 1 public records
Regular Contributor
Posts: 138
Registered: ‎03-05-2008
0

Re: Kays Instant Approval

I went on line to purchase my Experian score and report and it said that it was an Experian Plus score. Is that a true score or a fake score? I'm interested in apping for Kays. I went to experian.com is that where I get the score?
Established Contributor
Posts: 645
Registered: ‎10-24-2007
0

Re: Kays Instant Approval


favor4me2 wrote:
I went on line to purchase my Experian score and report and it said that it was an Experian Plus score. Is that a true score or a fake score? I'm interested in apping for Kays. I went to experian.com is that where I get the score?

Unfortunately, since Feb.'09 we aren't able to buy our true EX Fico score. Any EX score you purchase now is a FAKO.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

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 internal myFICO analysis of 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. These ranges were not provided by any card issuer.

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.