topic Re: Kays CLI in Credit Card Approvals

Kays CLI

Anonymous — Tue, 12 Oct 2010 12:21:53 GMT

My kays card turned 1yr old this month and i got an increase. 1400------>2200. I have only made two purchases on the card for the entire year.

Re: Kays CLI

Anonymous — Tue, 12 Oct 2010 13:46:51 GMT

That is great news!

Congratulations!!!

I've only had my card for 4 months with an initial cl of $4000 (but I can charge upto $5300) so, I wonder if I'll get a cli after the year.

Re: Kays CLI

Anonymous — Tue, 12 Oct 2010 15:16:24 GMT

Thanks That's why I posted because last year a lot of people were wondering the same thing. It seems likely in my opinion.

Re: Kays CLI

happy0510 — Tue, 12 Oct 2010 17:01:00 GMT

VeeVee,

Was it automatic? My 1 year anniversary was last month and nothing!! I called in and they said every CLI will result in a hard pull and you have to go into the store.

WTH? I charged a xmas present and made a few payments on time and paid it off. I'm stuck at $1,800!

Bwahaha!

Happy

Re: Kays CLI

Anonymous — Tue, 12 Oct 2010 18:04:06 GMT

Yes it was automatic saw it when I logged into my account yesterday. I have been logging in all this month to see if they would give a automatic cli because it has been a year and they did.

Re: Kays CLI

Pushto700 — Tue, 12 Oct 2010 19:21:59 GMT

@Anonymous wrote:
My kays card turned 1yr old this month and i got an increase. 1400------>2200. I have only made two purchases on the card for the entire year.

Awesome. That is good news as I have a 1500 limit in which I hope for an auto increase as well. The only thing I do not like is how they (& Jared) split the lines to make them look smaller on the reports now instead of reflecting the true total limit.

Re: Kays CLI

maynie — Wed, 13 Oct 2010 03:13:32 GMT

I read this in a bunch of places but it didn't happen with my cards. They are both still reporting individual limits of $1500. Maybe it's because both of mine have a balance. Do yours?

Re: Kays CLI

Pushto700 — Wed, 13 Oct 2010 18:15:27 GMT

@maynie wrote:
I read this in a bunch of places but it didn't happen with my cards. They are both still reporting individual limits of $1500. Maybe it's because both of mine have a balance. Do yours?

One does. What I see happening (others on the board as well this year) is that they report BOTH (Jared and Kays) with split lines of 750 (My limit is 1500). I purchased some items of nearly 1000. What I saw happening was the Jared line (which was not used) was decreasing in CL, and the reported Kays CL was increased.

So each time a pay my bill and it reports, the Jared line increases (though I have noty used it) and the Kay CL decreases in proportion to the CL. So if I add the two, they both add up to 1500 even though the Kay CL is higher. I disputed the lines to report at 1500 each, because that is what the limits were, but it stayed this way for only a bit.

Re: Kays CLI

Pushto700 — Wed, 13 Oct 2010 18:20:10 GMT

@maynie wrote:
I read this in a bunch of places but it didn't happen with my cards. They are both still reporting individual limits of $1500. Maybe it's because both of mine have a balance. Do yours?

I recently bumped a 6mo old thread highlighting this.....

http://ficoforums.myfico.com/t5/Credit-Cards/kay-and-jared/m-p/756658#M232781

Re: Kays CLI

maynie — Thu, 20 Jan 2011 17:01:12 GMT

I guess I've just been lucky so far. Although I can't be the only one. Still reporting two separate credit limits.

KAY

Sep, 2010

Mar, 2010

Aug, 2010

Charge Account

$1,500

$1,270

Revolving Account

Individual Account

JARED

Sep, 2010

Mar, 2010

Sep, 2010

Charge Account

$1,500

$524

Revolving Account

Individual Account

Re: Kays CLI

Anonymous — Thu, 20 Jan 2011 18:44:44 GMT

Do you know who Jared and Key pull through??

Re: Kays CLI

maynie — Thu, 20 Jan 2011 18:48:35 GMT

Equifax for me

Re: Kays CLI

BrandonSS — Thu, 20 Jan 2011 19:16:42 GMT

seems like 90% of lenders pull EQ... poor EQ gets abused!

Re: Kays CLI

dddfresh — Mon, 25 Feb 2013 00:40:31 GMT

I have $5000 that I opened w kays. I thought i was smart and applied to jareds and bought a watch so it would report. Now on my credit reports it shows 2500 for each store. Screwed myself big time!!!

Re: Kays CLI

LS2982 — Mon, 25 Feb 2013 00:57:12 GMT

I'm not very happy with Kays. The rep lied to me when I apped in December in-store they approved me for $2,000. I asked for a higher line because I didn't want to spend over half of my limit and she called CS and they upped it to 2,700. OK I got what I needed for the DW and it reports as 2,000 not 2,700. I call and the rep. pretty much says there's nothing they can do they review accounts every 6 months and they'll see if I qualify. I hate when people give misinformation!