Got my Kay's card 12/08, good CL of 6.5K with a hard pull on EQ, my best score at the time of 700. 11 months later, got softed on TU, but no increase. Called the # for customer service, they said Kay's checks your account status once a year for CLI, but a request would be a hard pull. I passed. Spent 3K on no interest purchase when opened, another 300+ a few months later, also no interest. Never paid a cent in interest, always on time, even paid off one month early to be safe. I get constant e-mails and mailers. Haven't spent another dime. It's in the sock drawer, but DW loves the investment.