topic Re: Kay Genesis in Credit Cards

Kay Genesis

Sauron — Thu, 27 Jan 2022 20:19:55 GMT

I logged into my accounts today for both Kay and Jared. Both serviced by Genesis. And noticed that the available credit amount was $0.00. When I called customer service they said there was a block placed and I would need to go into a store to have a "routine review" completed. A supervisor said that this could result in an account closure, lower limit or CLI. Has anyone had experience with this?

Re: Kay Genesis

Guyatthebeach — Sat, 29 Jan 2022 20:54:20 GMT

Sauron,

I have the Comenity store card and I just looked at it online. My card is in perfect status. I'm not sure what happened with yours. Do you have a change in CR or not use the card in a while?

Guyatthebeach

Re: Kay Genesis

mgood — Sun, 30 Jan 2022 01:38:40 GMT

I have the Kay Genesis. No problem with mine; looking at the webiste everything seems good.
(Except that they won't give me CLIs anymore. I'm not sure if they stopped all CLIs for Covid or if I'm topped out on what credit they offer.)

Re: Kay Genesis

mgood — Sun, 30 Jan 2022 13:14:27 GMT

@Sauron wrote:
. . . I would need to go into a store to have a "routine review" completed. A supervisor said that this could result in an account closure, lower limit or CLI. Has anyone had experience with this?

Let us know the outcome, please. I'm curious, and I don't believe there are many of us on this forum with that particular card.

Re: Kay Genesis

Anonymous — Mon, 31 Jan 2022 04:52:36 GMT

I got this card when purchasing my fiance's engagement ring a while back. I've always paid on time and credit scores have gotten better since getting the card. This same thing happened to me a few months ago when I was logging in to make a payment, noticed that the credit limit was at $0. I called to see what the deal was and was told that it was part of a "periodic review process" and I would essentially need to re-apply to determine what my new credit limit would be. I declined as I don't plan on using the card again since I only applied for it for this one particular purpose. Once I pay it off, I'm going to request an account closure. I am not sure if this could be a contributing factor or not, but all of my reports are on ice so maybe they do soft pulls every once in a while, but can't since they are frozen?

Re: Kay Genesis

John00 — Mon, 31 Jan 2022 05:25:26 GMT

I have the genesis card and after paying off my first purchase with the card, they lowered my limit to 0.00 and I couldn't use the card. I went into the store and asked them why this happened and they reinstated the previous credit limit right then. I made a second purchase with the card which has been paid off for a while now and my credit limit has stayed in place. Hope this helps!

Re: Kay Genesis

toddc — Tue, 01 Feb 2022 04:38:41 GMT

When I had this happen on my ashley furniture (serviced by genesis) I called them and they said my account was closed (as a result of inactivity im assuming) but then I got an ashley card serviced by synchrony with a much higher limit and better terms so I didnt really care.