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Sterling Credit (i.e. Jared's, Kay's, et al.)

Valued Member

Sterling Credit (i.e. Jared's, Kay's, et al.)

I've used my Kay's only twice both times paid in full within in three months versus the twelve.  Of late, I keep getting calls from the store were I've purchased my daughter's wedding band set and my personal set... anybody else get his quarterly?

 

Just curious... I've only got at maxmium $4,000.00 CL available to use and haven't used in two years.

 

Josh

Gardening since 6-28-2013
Barclay's iTunes: $3,500 | Travelocity Amex $3,350.00 | USAA $7,000.00 | Chase Freedom: $2,000.00 | Discover IT $1,000.00 | NFCU cashRewards Visa $22,500.00 | NavCheck $12,500.00 | USAA $7,000.00 | JCP $3,000.00 | Macy's $2,200.00 | Sam's Club $1,100.00 | Care Credit: $3,300.00 | Carson's $5,250.00 | Wal*Mart $1,500.00 | Various others... can't remember most store cards --- Long journey to HERE -- keep up the good fight!
8 REPLIES
Valued Contributor

Re: Sterling Credit (i.e. Jared's, Kay's, et al.)

What are the calls about?

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Mega Contributor

Re: Sterling Credit (i.e. Jared's, Kay's, et al.)

I havent gotten any calls from them, not a bad thing either!!



EQ FICO 548 3/3/16
Established Contributor

Re: Sterling Credit (i.e. Jared's, Kay's, et al.)

im sure they are sales calls wanting you to come in and buy something. I fought with them and closed the accounts. speaking of that I need to call them and make sure they are closed...

 

"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank

"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar
Frequent Contributor

Re: Sterling Credit (i.e. Jared's, Kay's, et al.)

Have you ever tried to get a CLI? I havent in person, but on the phone or online, they tell me I have to go in the store.

I had 5000 w kays and i thought i was slick and applied to jareds to get another 5000. turned out just splitting the 5000 and screwed myself


9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Frequent Contributor

Re: Sterling Credit (i.e. Jared's, Kay's, et al.)

I've had my Kay's CC for about four years & only used it twice. I've never gotten a call from that ever... I wonder if they're just informing you about their sales ?
   Total CL: $177,300
 Highest CL: $10,000
  Average CL: $6,300
 Total PLOC: $26,000
     AAoA: 3 yrs & 11 mos
         Utilization: 7%
Inq: 11 (EQ) | 10 (TU) | 9 (EX)
         Derogatories: 0
         
Valued Contributor

Re: Sterling Credit (i.e. Jared's, Kay's, et al.)

I have had a Jared card for many years. I have used in quite a bit and even gotten a very nice auto-CLI. I have never received a call from Sterling Credit or the stores where I use the card, unless it is to tell me that an item is ready for pick-up.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Senior Contributor

Re: Sterling Credit (i.e. Jared's, Kay's, et al.)

Never had a call either it must be the idea of the store manager to call people, just call them up the store ask to speak to someone in charge and say you do not want them calling

Senior Contributor

Re: Sterling Credit (i.e. Jared's, Kay's, et al.)

We used to get those calls...and politely asked them to stop calling...they did.  Smiley Happy

 

they're just trying to get you back into the store...

Zero percent financing is where the devil lives...

10/01/17 Fico8 scores: EX 660, EQ 647, TU 663