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does any one know what cra kay jewelers pull from? i would like to apply with them. my (EQ) is 633 and my(TU) is 623
i just want to make sure my scores are ok.
@creditchild wrote:does any one know what cra kay jewelers pull from? i would like to apply with them. my (EQ) is 633 and my(TU) is 623
i just want to make sure my scores are ok.
Experian for me (California).
IN IL= EQ, I had a fraud alert on my CR(EQ) so they pulled EX also..
Anything over 550 you're likely to get $3,500 or more without to many baddies.
limits arent only based on credit score and i got denied with a 650 for having a 40% uti and no baddies so i honestly think that information is misleading if you have anything over a 550 your going to get a 3,500+ limit. I got a jewelers credit card with littmans same scores and same uti for $1,000. Income is also a huge factor. I think every bank is getting way tighter now more than ever
@tsquad131 wrote:limits arent only based on credit score and i got denied with a 650 for having a 40% uti and no baddies so i honestly think that information is misleading if you have anything over a 550 your going to get a 3,500+ limit. I got a jewelers credit card with littmans same scores and same uti for $1,000. Income is also a huge factor. I think every bank is getting way tighter now more than ever
+1. Explained to a poster about a month ago that the same happened to me. Had a 630 (EX - lender - in 11/09) with two major baddies and was denied. Same two major baddies exist with more inquiries and some new accounts and I was approved 4/10 for 1500.00. Not sure what to expect from them.
I can agree with the above that it also depends on your situation an what's on your credit & score. My reply was based on myself and others I know that I sent to Kay to obtain credit and their situation.
Two people I know got Kay credit with a BK, low score and recent late. My wife, no BK but a score of 550 at the time. Their limit is $4,000!! I was there in the store!!! I was rejected at first some time ago with a 526 and high util with a BK 2004 as well, and some baddies. As soon as I made a payment on those accounts and it was only three accounts I paid on leaving others balances and my score touched 600's, approved for $5,100. my score was low 600 when applied today its higher but I knew like others that Kay can be a good card to get to increase util percentage and build history with a high credit line.
My case I guess the util played a part in my first rejection so to agree and inform you of the situation with me I CAN say yes it depends on what's on your report, score and its really up to them.. Go for it, even if your get $1,500 that's a good start, any credit card that starts you at a $1,000 is good you really can not do anything with a card with $500 CL except gas and dinning out. Even this being a store charge card only it helps.
THANKS EVERYONE. I'M GOING TO GO FOR IT. I'LL POST
LET YOU KNOW WHAT HAPPENS!!!
Good Luck to you!!!!!!
They pulled eq for me in PA. Good luck with the app.