Moderator Emerita
Posts: 28,094
Registered: ‎04-01-2007
Re: Kay and Jared jewelers credit cards
Hi, welcome to the forums, and congratulations and best wishes!

Is the Kay card truly a joint card (both people applied at once; each is liable individually for all the debt) or an authorized user card (two or more people have the card, but only one person is responsible for the account)? Just want to clarify, because it's true that NOTHING should be held jointly other than a mortgage.

Anyway, how long would it take to pay off this charge? It's a wonderful sentiment, but I'd say that if you can't comfortably pay it off within 6 months (3-4 months would be better), it's too much at this stage.

Sorry, I can't help on the confusing relationship among all the different jewelry store cards. I'll step aside for others' comments.
* 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