topic Re: KAY in General Credit Topics

KAY

princeromeo — Tue, 12 Jun 2007 01:48:10 GMT

well i was approved today for 1500.00 they did pull TU my score is like 574 not gonna be enough for anice wedding ring anybody else got credit for another jeweley place? my scores are equifax 741 ex 614 tu 574

Re: KAY

Tuscani — Tue, 12 Jun 2007 02:24:28 GMT

Zales is Citi and will pull EQ.

Re: KAY

Anonymous — Tue, 12 Jun 2007 02:50:02 GMT

Strange I appled with Kay and my scores or all in the 500's with a few charge offs and they gave me 8000 dollars i was floored

Re: KAY

Tuscani — Tue, 12 Jun 2007 12:38:08 GMT

critterj7 wrote:
Strange I appled with Kay and my scores or all in the 500's with a few charge offs and they gave me 8000 dollars i was floored

WOW! That is the highest Kay TL I have heard of.

Re: KAY

Anonymous — Mon, 10 Sep 2007 22:47:19 GMT

I have a few chargeoffs and my TU is 660.
My credit applying spree has been fruitful.

$6000 from Kay's
I called instead of waiting 7-10 days and for some reason they didn't have my app so I did it on the phone. Smooth and easy...

Re: KAY

Anonymous — Tue, 11 Sep 2007 01:22:00 GMT

princeromeo wrote:
well i was approved today for 1500.00 they did pull TU my score is like 574 not gonna be enough for anice wedding ring anybody else got credit for another jeweley place? my scores are equifax 741 ex 614 tu 574

Romeo- Have you been over your credit w/ a fine tooth comb? Reason I am asking- why do you have such a difference from 741 to 614 to 574. Those are huge jumps in between. My largest jump was when I was 670's w EQ and EX and then 20 pts. lower for TU.

Re: KAY

Anonymous — Mon, 08 Oct 2007 21:57:23 GMT

How are they at reporting to the CRA's? I was just approved for $2000.

Re: KAY

Tink — Mon, 08 Oct 2007 22:57:18 GMT

I just came across this post and thought I would apply. The last time I checked my TU Fico I believe it was 595. I decided to apply for this card. From the credit verification questions they asked, I think they pulled EX (Fico EX was around 580). I just got approved for $4,500. I plan on using the card at Christmas to upgrade my husband's wedding band and will pay off the balance. I am soooo happy I came across this post. I would have never thought to apply for this case with my scores. Yippppeeee!

Re: KAY

Anonymous — Tue, 09 Oct 2007 03:16:41 GMT

I bought my 1st DW's and current DW's engagement rings at Kay's.
I have been very happy with th quality and service.

They even repaired a ring and necklace I didn't even buy from them for free.

Maybe I should try to re-open it?

Last few purchases from them have been debit card/cash.

Upgrade/traded in the .5 ct for a 1 ct certified princess cut a few years ago. PAINLESS. I think they gave me 1.5x what I paid for it originally.

Re: KAY

Anonymous — Tue, 09 Oct 2007 19:51:16 GMT

They pull eq in Oregon. My score was 607 with 1 collection and 2 charge offs.

Message Edited by egg on 10-09-2007 12:51 PM

Re: KAY

Tink — Tue, 09 Oct 2007 23:26:38 GMT

Checked TC acct today. Looks like they pulled EQ for me which last I checked was about 620 Fico. I have several charge-offs and 1 collectio acct on my EQ cr. Charge-offs are 4 yrs old and the collection acct is due to drop off in 02/2008. The creditor name is Sterling. Never heard of them. Anyone know what other cards are issued by Sterling?

Message Edited by Tink on 10-09-2007 04:26 PM

Re: KAY

Anonymous — Wed, 10 Oct 2007 20:39:06 GMT

Sterling is the parent company of Kay Jewelers and Jared at the Galleria. I read somewhere that if your are approved for Kay that Jared is pretty easy to get also. I have not applied for Jared, so I have no first hand experience.

Re: KAY

Anonymous — Wed, 10 Oct 2007 23:31:38 GMT

Just an FYI: The Kay's charge can be used at Osterman Jewelers also.

Re: KAY

virtuousbeauty31 — Wed, 10 Oct 2007 23:32:46 GMT

I just applied and was given a message stating that I will be contacted by e-mail in an hour regarding my app status. Has anyone else gotten this?

Re: KAY

Anonymous — Thu, 11 Oct 2007 03:01:00 GMT

Interesting...

Does anyone know if they report to all 3 CA's? This might be a stepping stone for me...

Re: KAY

virtuousbeauty31 — Thu, 11 Oct 2007 16:10:40 GMT

I called in yesterday and found out I was approved for Kay, as far as Zales I was not approved Hey, one out of two is good

Re: KAY

Anonymous — Mon, 15 Oct 2007 20:40:12 GMT

Went to our local Kay to buy DW a new wedding set to replace the $200 one I gave her when we got married. Sales rep came back and said instead of the $2000 limit that I was e-mailed, my limit was actually $2800. It may be that they gave me a CLI because I was looking at some things that would have gone over credit line. What I bought did not go over limit, but still got increase.

Re: KAY

Anonymous — Fri, 07 Dec 2007 23:38:59 GMT

Wow, I just got a $2k card from Kay. I really do not have much use for it, just want the UTI to boost my score. Hope this helps.

Re: KAY

pattycake — Sat, 08 Dec 2007 02:47:58 GMT

I got a Kay account 2 years ago, but have never used it. I should go in and get a pair of tiny diamond earrings I've always wanted, then pay it off. At the time I got it, I'm sure my scores were in the mid 500's or worse.

Re: KAY

Anonymous — Sat, 08 Dec 2007 03:53:42 GMT

They will report the CL as $2K but want to make sure you have a little extra available for the warranty's and tax.

Using it all will still mess up your FICO score though.

@Anonymous wrote:
Went to our local Kay to buy DW a new wedding set to replace the $200 one I gave her when we got married. Sales rep came back and said instead of the $2000 limit that I was e-mailed, my limit was actually $2800. It may be that they gave me a CLI because I was looking at some things that would have gone over credit line. What I bought did not go over limit, but still got increase.