topic Re: Kay Jewelers Data Points in Credit Cards

Kay Jewelers Data Points

Anonymous — Thu, 10 Mar 2016 03:40:10 GMT

I'm going to be applying for a Kay Jewelers Card next month for an engagement ring and will need to finance about $2700 after I put about $1000 down and I'm hoping they will approve me for at least that.

I was wondering for those that currently have this card:
What were your scores at time of approval/denial
What baddies did you have in your reports
What was your SL at approval
Did the item you were trying to purchase have an influence on your SL

Re: Kay Jewelers Data Points

Anonymous — Thu, 10 Mar 2016 04:06:02 GMT

I applied last weekend only because I head this card has large limits. I'm rebuilding and wanted to increase my available amount. I was denied. I have several old charge offs and other negatives but I've been getting some meager approvals lately so I thought I might have a shot. My co-worker, who has some baddies and similar scores to mine, got $2,500.

Re: Kay Jewelers Data Points

Anonymous — Thu, 10 Mar 2016 04:07:20 GMT

they don't care what you're trying to buy. they run your credit and tell you what you're approved for and then you need to do the 20% down for the 0%
um my file was limited when i got mine. idr my scores but only had a year old $500 card, a year old $100 LOC and a $1,500 freedom but i got it the same month so idk if it was reported yet. this was november 2011 and i was like 20 and didn't know much about credit. i was approved for $2,400 and after paying off the ring it went up to $3,200 and now is at $5,300

Re: Kay Jewelers Data Points

Anonymous — Thu, 10 Mar 2016 04:08:24 GMT

where did you hear they give large limits? i haven't seen many over $7,500 on this site (obviously i bet people do but i mainly see $1-$3k on average)

Re: Kay Jewelers Data Points

Anonymous — Thu, 10 Mar 2016 04:08:36 GMT

What's your scores? Are the charge offs paid? And we're you trying to buy anything or just applying for it

Re: Kay Jewelers Data Points

Anonymous — Thu, 10 Mar 2016 04:15:57 GMT

is that directed at me?

Re: Kay Jewelers Data Points

Anonymous — Thu, 10 Mar 2016 04:22:34 GMT

@cam3150 my bad xterror lol

Re: Kay Jewelers Data Points

Anonymous — Thu, 10 Mar 2016 04:38:49 GMT

Would it be better for me to apply before or after my 5 year car loan is paid off and closed next month? I have no other installment loans on reports

Re: Kay Jewelers Data Points

Anonymous — Thu, 10 Mar 2016 05:07:36 GMT

my scores always went up when paying off installment loans

Re: Kay Jewelers Data Points

Anonymous — Thu, 10 Mar 2016 05:08:07 GMT

I have no recent experiance with them, but in 1999 I had almost no credit and they approved me for a card. No idea the limit, but I charged about $800 and paid it off. 10-years later in 2009 I had horrible credit. As in no open accounts, only collections and charge offs, and repos etc. I applied online thinking yeah right and I was shocked I was instantly approved for $2,000 limit. I never ended up using it, they closed it 2 years later for inactivity. It could have been because they remembered me from before, and also it is possible times have changed, but my experiance from then was this was a super easy card to get.

Re: Kay Jewelers Data Points

Anonymous — Thu, 10 Mar 2016 05:17:24 GMT

Sorry, my scores are in my sig but I forget that's not visible on mobile devices. They are not good, 597-618. No, I wasn't trying to but buy anything by I did have an expensive ring in my cart at the time. Some of the CO's are paid, some are paid but not yet reporting, and 2 are unpaid. All are 6 years plus in age.

Regarding large limits, to someone like me who's starting over and whose current largest limit is $800, anything $2,500 and up is a large limit. To people who are established, I realize that's a sad limit. But is seen online, I dint to think it was here, that people were getting upwards of $15k-$20k. Seemed like it worked better at the actual store when you are about to make a big purchase. Decent credit probably helps too. A company named Sterling pulled my EQ report. I think they also own Jared and maybe others.

Re: Kay Jewelers Data Points

Anonymous — Thu, 10 Mar 2016 05:19:18 GMT

I hate that "blame errors on auto correct" signature but apparently I'm going to have to add it to mine. Excuse the typos.

Re: Kay Jewelers Data Points

Anonymous — Thu, 10 Mar 2016 05:23:59 GMT

hahaha that's why i have it. for some reason this site doesn't auto correct if you mess up your last word and hit post before hitting the space bar.

Re: Kay Jewelers Data Points

Anonymous — Thu, 10 Mar 2016 05:45:17 GMT

It only bothers me because my mobile view always makes it seem like it's part of the post so I always end up reading it about half way before realizing it's the signature

Re: Kay Jewelers Data Points

Anonymous — Thu, 10 Mar 2016 05:51:54 GMT

yep. me too lol.

Re: Kay Jewelers Data Points

Anonymous — Thu, 10 Mar 2016 09:19:00 GMT

No data points to add. If approved/denied, please come back and update your thread. Thanks!

Re: Kay Jewelers Data Points

Anonymous — Thu, 10 Mar 2016 10:41:15 GMT

I will. I'll be applying mid next month or so. I just really hope they approve me for the amount I need!

Re: Kay Jewelers Data Points

Tomgon1981 — Thu, 10 Mar 2016 18:35:19 GMT

I got approved for Kay card with a 620 fico a few baddies even a judgement at the time and still got approved for $4800 online and I ended up not even buying anything from them I've had card almost 2 years and they haven't budged on the limit even after spending $5000 thru card

Re: Kay Jewelers Data Points

Chris0321 — Thu, 10 Mar 2016 20:18:25 GMT

I applied in store and was approved for $8,000.00 with 20% down or $6,000.00 with zero down. At the time my scores were in the 635-650 range across all 3. I had no baddies on my report and had opened a bunch of new accounts. The only way to get an increase on this card is after 10 months in store as well. I am currently eligible for a CLI but have not gone in to request it. Will update once i do.

Re: Kay Jewelers Data Points

Anonymous — Thu, 10 Mar 2016 20:19:12 GMT

that's not the only way for CLI. both my CLIs were auto.