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Moderator Emeritus
Timothy
Posts: 9,252
Registered: ‎03-19-2007
0

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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haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007
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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


:smileyvery-happy: :smileyvery-happy: :smileyvery-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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fused
Posts: 16,374
Registered: ‎03-12-2007
0

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


:smileyvery-happy: :smileyvery-happy: :smileyvery-happy:

And men keep pretending we're so complicated!

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

Now ain't that right.:smileyvery-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.:smileytongue:
Credit Profile -
FICO 08 Scores (09-16-2014): EQ 824, 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: 12 years ~ Util: 1% ~ Inqs: EX 1 (Amex 07-15-2014)

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haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007
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Re: Kays


fused wrote:Now ain't that right.:smileyvery-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.:smileytongue:


Don't forget the kitchen accessories from Macy's online! Nothin' says lovin' like a new pasta strainer.. :smileyvery-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
Moderator Emeritus
fused
Posts: 16,374
Registered: ‎03-12-2007
0

Re: Kays

Nope! I'm the full-time cook in our family. My wife does not cook, period!
Credit Profile -
FICO 08 Scores (09-16-2014): EQ 824, 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: 12 years ~ Util: 1% ~ Inqs: EX 1 (Amex 07-15-2014)

Moderator Emeritus
fused
Posts: 16,374
Registered: ‎03-12-2007
0

Re: Kays

Timothy, what's the APR on this card?
Credit Profile -
FICO 08 Scores (09-16-2014): EQ 824, 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: 12 years ~ Util: 1% ~ Inqs: EX 1 (Amex 07-15-2014)

Moderator Emeritus
Timothy
Posts: 9,252
Registered: ‎03-19-2007
0

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?



Moderator Emerita
Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007
0

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...

:smileyvery-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
Frequent Contributor
TheCynicalOne
Posts: 741
Registered: ‎11-05-2007
0

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.
Moderator Emeritus
fused
Posts: 16,374
Registered: ‎03-12-2007
0

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 (09-16-2014): EQ 824, 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: 12 years ~ Util: 1% ~ Inqs: EX 1 (Amex 07-15-2014)


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