topic Re: Kay & Jared jewelers CC question in Credit Cards

Kay & Jared jewelers CC question

remarc — Thu, 10 Jan 2013 03:50:49 GMT

I just got a Jared CC with limit of $5100. Will this help with my UTI? When I applied I realized I apped for the wrong one. So I applied for Kay's. approved again for $5100. Question. Is this the same card? It shows different account numbers & they pulled two HP. Ex & EQ. I've heard something about them being the same card? 1 limit u can use at both stores?? Kinda hoping its two cards with $5100 limit on each.

Re: Kay & Jared jewelers CC question

jsucool76 — Thu, 10 Jan 2013 03:57:37 GMT

Just did a little research...

It looks like both cards are underwritten by sterling bank, but on the website it says kay can be used at kay stores and kay.com and jared can be used at jared stores and jared.com

Nothing about them being used at the other stores.

Re: Kay & Jared jewelers CC question

laz98 — Thu, 10 Jan 2013 04:13:08 GMT

Yeah, I don't think there are Visa or MasterCard versions of these.

Re: Kay & Jared jewelers CC question

remarc — Thu, 10 Jan 2013 04:16:02 GMT

They are store cards. I wondered if Jared card was for Jared & Kay's was for Kay's & not combined. It was two hits on my credit report. EQ & EX.

U think the $5100 limit will help my UTI overall? & maybe help bump some of my other limits on my store cards?

Re: Kay & Jared jewelers CC question

Anonymous — Thu, 10 Jan 2013 06:05:03 GMT

Well, of course it will help utilization (assuming that at least one reports!) You now have more credit. Whether other store cards will follow suit is less clear. Each tends to evaluate it's own risk. Here you have more outstanding credit, so unless you are using a store card very heavily, they may not see a need to extend you more. I think some people here believe that if you get a new store card, THAT might have a high CL to "match" your existing ones.

Re: Kay & Jared jewelers CC question

chnceit — Thu, 10 Jan 2013 06:16:34 GMT

Congrats! It will definitely help your UTI if you dont max it out and it does open doors to obtain higher limit bank cards