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Registered: ‎03-19-2007
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Kays

I got a Kay's Jewelry card to take advantage of a free financing for 12 month deal-

So I no have an even 10 cards and this will be the only store card I have had on my CR since I had a Kay's card about 12 years ago.

6K CL-

BTW- the did a soft on EX and a hard on EQ.

Won't try to keep up with ashabbir1- this is IT period

BTW #2 - Hauling - Yes I got the DW something nice and hit VC today too. Diamonds + lingerie = Happy Timothy
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Re: Kays


Timothy wrote:
BTW #2 - Hauling - Yes I got the DW something nice and hit VC today too. Diamonds + lingerie = Happy Timothy


Smiley Very Happy Smiley Very Happy Smiley Very Happy

And men keep pretending we're so complicated!

If Mama ain't happy, ain't NOBODY happy.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
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Re: Kays



haulingthescoreup wrote:

Timothy wrote:
BTW #2 - Hauling - Yes I got the DW something nice and hit VC today too. Diamonds + lingerie = Happy Timothy


Smiley Very Happy Smiley Very Happy Smiley Very Happy

And men keep pretending we're so complicated!

If Mama ain't happy, ain't NOBODY happy.

Now ain't that right.Smiley Very Happy Timothy you're good man! Soon it will be my turn to get my DW something special. Hmmmmmm...will it be jewelry, a purse, a handbag or some other expensive accessory.Smiley Tongue
Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
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Re: Kays


fused wrote:Now ain't that right.Smiley Very Happy Timothy you're good man! Soon it will be my turn to get my DW something special. Hmmmmmm...will it be jewelry, a purse, a handbag or some other expensive accessory.Smiley Tongue


Don't forget the kitchen accessories from Macy's online! Nothin' says lovin' like a new pasta strainer.. Smiley Very Happy
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
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Re: Kays

Nope! I'm the full-time cook in our family. My wife does not cook, period!
Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
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Re: Kays

Timothy, what's the APR on this card?
Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
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Posts: 9,252
Registered: ‎03-19-2007
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Re: Kays

The Standard APR is outrageous - 22%+

But I got 12 months at 0%.



fused wrote:
Timothy, what's the APR on this card?



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Re: Kays


fused wrote:
Timothy, what's the APR on this card?



Oh, no, the ashabbir1 madness spreads; it has even hit the mods now...

Smiley Very Happy
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
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Re: Kays

I honestly didn't even consider a company would do a hard on one CRA and a soft on another...it makes sense but it's a little overkill.  I know why they do it but just for purposes of applying for a card or increasing a limit, one should be sufficient.  Pick and choose.  It's oranges and apples for the most part.
Time is credit's best friend...it can heal any wound.
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Re: Kays



TheCynicalOne wrote:
I honestly didn't even consider a company would do a hard on one CRA and a soft on another...it makes sense but it's a little overkill.  I know why they do it but just for purposes of applying for a card or increasing a limit, one should be sufficient.  Pick and choose.  It's oranges and apples for the most part.


I agree but it is a common practice with some CCCs.
Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
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