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anyone ever CLI with Kay's?

Established Contributor

anyone ever CLI with Kay's?

Im working on ways to lower my util. Obviously im paying as much as I can and the only card I carry much of a balance on is kays from when I bought my fiances ring. Has anyone had success with a CLI with them? I just got one from WM and was wanting to try with Kays, but not if its a HP.


What do you think?

In my wallet: Discover it 6800 CL, Capital One Quicksilver Sig 5k CL, Chase Freedom 4k CL, GCU Patinum Visa 1500 CL
Senior Contributor

Re: anyone ever CLI with Kay's?

If you call them on the phone and ask, they'll tell you to go into the store and apply.


If you do nothing, they'll give you a CLI annually.


(...or at least they do for DW and I...)

Zero percent financing is where the devil lives...

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

Re: anyone ever CLI with Kay's?

I got one from 5.2k to 6.6k it was auto
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)