topic Kay card in Credit Cards

Kay card

Questfor700 — Wed, 13 Aug 2008 20:58:30 GMT

Applied for Kay's Jewelry late nite Got approved for $1500 in about 5 minutes,,What can I do to raise

my Experian which sucks!

Edit by cheddar: Changed post title when moving from different thread

08/13/08 Transuinion 615 Experian 550 Equifax 543

Message Edited by cheddar on 08-13-2008 01:58 PM

Re: Kay card

Creditaddict — Wed, 13 Aug 2008 21:00:09 GMT

buy something with your new kay card... it will only report cl after you buy something.

Edit by cheddar: Changed post title when moving from different thread

Message Edited by cheddar on 08-13-2008 02:00 PM

Re: Kay card

Anonymous — Wed, 13 Aug 2008 21:00:31 GMT

Creditaddict wrote:

buy something with your new kay card... it will only report cl after you buy something.

Kay is not Crown Jewelers. Kay reports whether you buy something or not.

Re: Kay card

Creditaddict — Wed, 13 Aug 2008 21:22:39 GMT

Mine didn't report CL though?

Re: Kay card

jbh — Wed, 13 Aug 2008 23:48:01 GMT

I have to bump this because I was doing research earlier no Kay and I read elsewhere (in addition to the poster above me) that they do not report the credit limit. If that is the case, how do we use this to boost utilization?

Thanks

Re: Kay card

Anonymous — Thu, 14 Aug 2008 00:58:33 GMT

This is the first time I've ever heard of a Kay card not reporting CL. Mine does, and has from the beginning.

Re: Kay card

Anonymous — Thu, 14 Aug 2008 01:58:58 GMT

mine reports Cl.......

Re: Kay card

Anonymous — Thu, 14 Aug 2008 02:44:57 GMT

The report mine 2 all 3

Balance is reported 1 month behind-

Re: Kay card

anca21bi — Thu, 14 Aug 2008 02:47:34 GMT

Whats the minimum fico for a Kay card? Anybody?

Re: Kay card

Anonymous — Thu, 14 Aug 2008 02:49:43 GMT

about 600 EQ

anca21bi wrote:

Whats the minimum fico for a Kay card? Anybody?

Re: Kay card

jbh — Thu, 14 Aug 2008 04:43:27 GMT

Thanks for confirmation, guys. I'm wondering if I should wait til my util is down and then go for this. I hate how CJ has yet to report (paid item 7/31) and I hear about the CL decreasing after 6 months. (Not to mention EQ won't have record of it)

Do you think it's best to just go with Kay, even if the limit is shorter, and then ditch CJ?

Re: Kay card

cw81 — Mon, 08 Sep 2008 01:36:51 GMT

I just got approved for Kay, the lady said 6.5K wooohooo card should be here in 10 days or so. I went into the store after I left Macy's and was approved for an unknown limit I am on a selective app spree to help my util so my research told me Kays was a good bet and I was thinking I would get 1500 which would have been cool but when she said 6500 I was like woah nelly.

I had quite a productive weekend in my credit building life. Next I go for BofA and Cap 1 to add to my mix.

Re: Kay card

Candice — Mon, 08 Sep 2008 05:13:08 GMT

Does Kay pull EQ?

Re: Kay card

tray — Mon, 08 Sep 2008 13:12:45 GMT

Hi, I am very interested in getting a Kay's card but my EX score is 684 and I have alot of baddies also a BK from year 99 and I am afraid I will be denied I am waiting for 2 baddies to fall off at the end of the month. But after reading your thread maybe there is some hope. Do you have alot of baddies on your report and do you have a BK if you do not mind. Thanks

Re: Kay card

cw81 — Mon, 08 Sep 2008 14:40:29 GMT

I believe they pull eq from what I have seen in the different credit pull databases I am in TX . EQ is my cleanest by far . I have one unpaid medical from 4 years ago I am working on, some lates with my mortgage and car loan ranging from over 2 years to about 19 months ago my score was 648 about 2 weeks ago.

Message Edited by cw81 on 09-08-2008 09:40 AM