topic Re: Kay Jewlers in Credit Cards

Kay Jewlers

Anonymous — Sun, 08 Feb 2009 03:43:27 GMT

After reading up a bit on Kay Jewlers on this site, I decided to give the application a whirl. Hooray! I was approved for a card with a $2k limit. My question is this: Will this new limit (now my highest) bode well in getting higher limits on other cards?

Re: Kay Jewlers

Anonymous — Sun, 08 Feb 2009 03:45:05 GMT

Further to the above, I'm specifically curious about a card like Macy's who has me stuck at $100. When I reapply, will they see the $2k Kay limit and become more amenable to budging a bit?

Re: Kay Jewelers

Anonymous — Sun, 08 Feb 2009 03:54:06 GMT

Umm....not so much, sorry. The additional available credit certainly helps your overall utilization but I seriously doubt it will significantly impress Macy's. They should grow with you nonetheless. It is a gradual growing, don't expect miracles.

Re: Kay Jewelers

Anonymous — Sun, 08 Feb 2009 03:56:57 GMT

Thanks. Just wondering if it would correlate to non-store credit cards. I'd read pretty consistently on this site that you're more likely to get cards with limits $1k and above once you reach $1k with another card. Oh, well. I grateful for the Kay's account, most certainly.

Re: Kay Jewelers

Anonymous — Sun, 08 Feb 2009 04:09:24 GMT

It's a step forward, not back. I just don't think Jewelery stores carry much clout. I may be wrong, just basing the opinion on the fact that they seem to be the easiest to get lines with. Who knows now days? It sure beats a stick in the eye.

Re: Kay Jewelers

benben7 — Thu, 11 Feb 2010 15:24:25 GMT

Good morning Almost_there,

I have 2 questions for you. When you applied for your card did you do it online or in store? My other question is did your score increase with the new credit line?

Thanks,

benben7

Re: Kay Jewlers

sleephla541 — Mon, 15 Feb 2010 06:06:40 GMT

Hey Almost_there,

Congrats on your success with Kay Jewlers.

Question for you: Did they tell you what bureau they pulled from for the 2K limit?

Re: Kay Jewlers

elaine829 — Mon, 15 Feb 2010 15:36:08 GMT

Kays is a equifax puller. I have a kay card with a credit limit of 7500 which was my starting limit. Had the card since nov 08. Will not ask for a credit increase will wait till they give me one because 7500 is more than enough. My score at the time was 690.

Re: Kay Jewlers

lisac — Thu, 18 Feb 2010 14:02:28 GMT

i got my kay card in Nov 08 too. started with $5000. Nov 09 auto increase to $7500. bought someting for $100 dec 09, then another cli to $7800. but everyone else is either raising apr or cld me. scores around 670.

Re: Kay Jewlers

benben7 — Mon, 12 Jul 2010 22:04:00 GMT

Hello Elaine,

How are you? My question is once you got your kay cc did you receive an increase in your fico score? If so, would you telling me how many points.

Thanks

benben

Re: Kay Jewlers

elaine829 — Tue, 13 Jul 2010 04:35:30 GMT

Hi, To be honest I dont remember how much points i received on credit score when i got the kays card. Sorry.

Re: Kay Jewlers

laz98 — Tue, 13 Jul 2010 14:32:53 GMT

back to your original question, no, i don't think other creditors will now be more generous because of your success with kays. it's just a store card. maybe other store cards will give you an increase, but i can't say for sure. good luck!

Re: Kay Jewlers

FicoScore626 — Mon, 19 Jul 2010 16:06:38 GMT

How long have you had your Macy's card? I imagine with the Macy's card your performance with them will speak louder than your credit limit with other stores. Meaning that if you purchase stuff from Macy's and consistently make on time payments then in time you'll see a credit line increase.. That's what happened to me with Bloomingdale's. I started out with a credit limit of only $100.. A couple months later I asked for an increase and the representative told me they could only bump me up to $200 so I took it and thanked them. Without even asking for one they recently gave me a $1300 increase. I was SHOCKED. I opened the account back in September 2009. My Macy's card is the same age and has a credit line of $300. I want to pay off the balance quickly and wait to see what kind of luv they give me.

Re: Kay Jewlers

eparker — Mon, 19 Jul 2010 20:18:51 GMT

What scores are Kay Jewlers looking for????

Re: Kay Jewlers

charmcity — Mon, 19 Jul 2010 20:35:31 GMT

eparker, I actually just called them and they told me they "look at your overall credit picture" when I asked the woman what scores they were looking for... my current Equifax score is 602 and I was debating on applying since I saw people with lower scores being approved, but I think I am going to wait a few months.

Re: Kay Jewlers

benben7 — Mon, 19 Jul 2010 21:08:43 GMT

Hello there,

I have been reading the forums like you and today I deceided to apply online. I was approved for a 2000.00 credit card. It was very easy and they said the credit card will arrive in 7 to 10 days.