topic Re: Helzberg Diamond Requirements in Credit Card Applications

Helzberg Diamond Requirements

Anonymous — Tue, 07 Apr 2015 15:27:39 GMT

Current scores are in my siggy and I have two cards with Capitol One (I hear they back Helzberg), wondering about my chances of approval.

Anyone have this card? If so what was your score at approval and initial limit?

Re: Helzberg Diamond Requirements

Skye12329 — Tue, 07 Apr 2015 16:46:40 GMT

Its issues by Capital One so it should be easier to get. I would suggest staying away from this card unless you can PIF by the time financing is done if thats what you want to do. I say this because on the website it says if you finance something and its not PIF by the end of the finance period you will be charged interest from the beginning. So basically charged back interest.

Re: Helzberg Diamond Requirements

Anonymous — Tue, 07 Apr 2015 16:57:19 GMT

This is where my ring came from. Honestly, my fiancé had terrible credit at the time and got approved for a high limit. As sky mentioned, your better off with the a different card because you have to pay the interest back once the zero period is up. Like care credit.

Re: Helzberg Diamond Requirements

Anonymous — Tue, 07 Apr 2015 17:11:30 GMT

Thanks guys!

Definitely staying within the free interest period. This is where my ring came from and we are planning to upgrade. They have 18 months interest free.

Re: Helzberg Diamond Requirements

Anonymous — Tue, 07 Apr 2015 17:43:42 GMT

They do have beautiful rings for great prices.

Re: Helzberg Diamond Requirements

Anonymous — Wed, 08 Apr 2015 00:50:52 GMT

@Anonymous wrote:
They do have beautiful rings for great prices.

Yes they do :-)

Re: Helzberg Diamond Requirements

Ron1 — Wed, 08 Apr 2015 01:03:25 GMT

I applied for the card last Oct. I got approved for $4500. They pulled EQ. I had 6 INQs. They increased from $4500 to 7500 by clicking CLI button.

My score was around 750.

Ron.

Re: Helzberg Diamond Requirements

Anonymous — Wed, 08 Apr 2015 14:06:39 GMT

@Ron1 wrote:
I applied for the card last Oct. I got approved for $4500. They pulled EQ. I had 6 INQs. They increased from $4500 to 7500 by clicking CLI button.
My score was around 750.

Ron.

Wow. Thanks!

Did you apply in store or online?

Re: Helzberg Diamond Requirements

Ron1 — Wed, 08 Apr 2015 14:12:13 GMT

@Anonymous wrote:
@Ron1 wrote:
I applied for the card last Oct. I got approved for $4500. They pulled EQ. I had 6 INQs. They increased from $4500 to 7500 by clicking CLI button.
My score was around 750.

Ron.
Wow. Thanks!

Did you apply in store or online?

I applied online. I didn't get instantly approved. It told me to call to verify ID. I got approved after answering public record question.

Ron.

Re: Helzberg Diamond Requirements

Anonymous — Wed, 08 Apr 2015 14:17:51 GMT

Thanks. I was thinking about applying in store. I'll let you know what happens.

Re: Helzberg Diamond Requirements

Ron1 — Wed, 08 Apr 2015 14:23:23 GMT

@Anonymous wrote:
Thanks. I was thinking about applying in store. I'll let you know what happens.

You're welcome. By the way, they alos offer subprime version inside the store. You have to them which one you want to apply.

Ron.

Re: Helzberg Diamond Requirements

Anonymous — Wed, 08 Apr 2015 14:30:22 GMT

Didnt know that, I thought they only had one card. Guess I need to do some research.

Re: Helzberg Diamond Requirements

Ron1 — Wed, 08 Apr 2015 14:37:38 GMT

@Anonymous wrote:
Didnt know that, I thought they only had one card. Guess I need to do some research.

They do have 2 type of cards. I didn't know about it until I went to the store last Christmas. I saw they had another application for subprime. I heard that doesn't report unless default. You need to tell me you want to apply for the one issued by Cap 1. I don't think it will make a difference. I hate you apply inside. Sometimes, the salesmen didn't put away your apps after appliied. Leave your apps laying around. How many inquiries do you have on your EQ. I got approved when I had 6 INQs.

Ron.

Re: Helzberg Diamond Requirements

Anonymous — Wed, 08 Apr 2015 14:49:57 GMT

Does the store card tack on all the interest?

Re: Helzberg Diamond Requirements

Anonymous — Wed, 08 Apr 2015 15:38:28 GMT

@Ron1 wrote:
@Anonymous wrote:
Didnt know that, I thought they only had one card. Guess I need to do some research.
They do have 2 type of cards. I didn't know about it until I went to the store last Christmas. I saw they had another application for subprime. I heard that doesn't report unless default. You need to tell me you want to apply for the one issued by Cap 1. I don't think it will make a difference. I hate you apply inside. Sometimes, the salesmen didn't put away your apps after appliied. Leave your apps laying around. How many inquiries do you have on your EQ. I got approved when I had 6 INQs.

Ron.

Ahh...thanks for the heads up.The sales lady I deal with is very professional, but I'll keep an eye out for that.

Re: Helzberg Diamond Requirements

Anonymous — Wed, 08 Apr 2015 15:40:04 GMT

@Anonymous wrote:
Does the store card tack on all the interest?

From what I've read they back date interest on the ENTIRE loan if it isnt paid off within the established time period so just to be on the same side I'm budgeting to get it paid off a month earlier than expected. So if I have 18 months zero interest it will be paid off within 17.

Re: Helzberg Diamond Requirements

Anonymous — Wed, 08 Apr 2015 16:14:54 GMT

@Ron1 wrote:
@Anonymous wrote:
Didnt know that, I thought they only had one card. Guess I need to do some research.
They do have 2 type of cards. I didn't know about it until I went to the store last Christmas. I saw they had another application for subprime. I heard that doesn't report unless default. You need to tell me you want to apply for the one issued by Cap 1. I don't think it will make a difference. I hate you apply inside. Sometimes, the salesmen didn't put away your apps after appliied. Leave your apps laying around. How many inquiries do you have on your EQ. I got approved when I had 6 INQs.

Ron.

21 right now but half are grouped (bought a car last year).

Re: Helzberg Diamond Requirements

Anonymous — Wed, 08 Apr 2015 20:06:08 GMT

My fiancé had the capital one card and paid it off with his income tax.