topic Re: Crown Jewelers in Rebuilding Your Credit

Crown Jewelers

Anonymous — Mon, 12 May 2008 18:25:18 GMT

I was approved for a Crown Jewelers CC limit is $1500, will this significantly bump up my score?

Re: Crown Jewelers

Anonymous — Mon, 12 May 2008 18:30:16 GMT

I got the CJ account at the end of last month...I can't say exactly what my increase was...because I also had put my UTL from 85% to 34%...but for the two...I got +17 pts on EX...and for the CJ account alone..I don't know what it did to TU because I have not updated since then...

It also depends on you other revolving debts...this is my largest CL...I have 500 CL...and 375 CL...bad I know..so that's why I think I got a little increase...

Re: Crown Jewelers

Anonymous — Mon, 12 May 2008 18:36:21 GMT

I guess I should activate it as I need more revolving accounts. Thanks for the info slyhouse08!

Re: Crown Jewelers

Anonymous — Mon, 12 May 2008 18:46:38 GMT

Yeah, well they won't report to the CRA until you buy something...so just because they approved you...doesn't mean you have it..you have to order something..and pay the down payment...they report when the item is shipped...in my case my item was not shipped until a week and a half after I ordered...and it is supposed to take 2-4 days..otherwise they are supposed to notify you..I heard nothing...

Re: Crown Jewelers

Anonymous — Mon, 12 May 2008 18:51:28 GMT

The website did say that. I just wanted to make sure it was legit and would report to my CR.

Re: Crown Jewelers

Anonymous — Mon, 12 May 2008 19:11:06 GMT

They report to TU and EX...

Re: Crown Jewelers

Anonymous — Mon, 12 May 2008 19:44:18 GMT

when my dh opened his crown jewelers acct (and ordering) they reported in about 2 weeks. He got +20 on TU and +6 on Experian. Like others mentioned it depends upon your other accts. He did not have much reporting on TU so it was his biggest jump. Plus no ding for an inquiry so it was good for him. Good luck!

Re: Crown Jewelers

Anonymous — Mon, 12 May 2008 20:03:15 GMT

Thanks for the info! The no ding for an inquiry is great as well.

Re: Crown Jewelers

nosxih — Mon, 12 May 2008 21:29:36 GMT

DW got approved for 1500 a week or two ago. Do they send out a card or do you have to order online?

Re: Crown Jewelers

LADYBUG7788 — Mon, 12 May 2008 22:13:37 GMT

they send out a card i just got mine today. and i got there 1500 cl in march and ordered and recieved my order 3 weeks later they just started reporting to tu & ex 1 week ago...it's not a bad credit card a 1500 cl is better than a 300-500 limit.

Re: Crown Jewelers

GFer — Tue, 13 May 2008 01:55:02 GMT

Ok, I got approved in April, got my order in about 3.5 wks, have already made one payment and have NOT received a card?!?

I suppose I should call them....hmmm

I did get

9pt increase on Exp

7pt increase on TU

3 measly points from Eq (I do not like those folks.....)

Re: Crown Jewelers

Anonymous — Tue, 13 May 2008 01:59:49 GMT

Dos CJ report to EQ on your report..they are only supposed to report to TU & EX...I hope they report to EQ...I have not received a card yet either...but why would anyone need a card...unless you live by the stores in.....Texas or California...I don't know where else they have stores...

Re: Crown Jewelers

shawnette — Tue, 13 May 2008 02:57:38 GMT

I signed up in March, got my order in April and just received my card today. (Not that I needed it, anyway.)

Re: Crown Jewelers

GFer — Sun, 18 May 2008 14:12:45 GMT

Nope---not Equifax. The increase was something else. I did get my card right after I posted, though.

Re: Crown Jewelers

Schoolbuskid — Wed, 28 May 2008 14:02:39 GMT

Are you for sure they only report to TU and EX?

Re: Crown Jewelers

Schoolbuskid — Wed, 28 May 2008 15:29:21 GMT

Schoolbuskid wrote:
Are you for sure they only report to TU and EX?

It also say no credit check on the website, is this true as well?

Re: Crown Jewelers

Anonymous — Wed, 28 May 2008 16:09:51 GMT

YES..they only report to TU & EX...there was word that they might start back reporting to EQ in the future...and there is NO CREDIT CHECK....I think you CL is based off your income...but you usually only get a $1500 CL MAX...but if you buy something over $1300...or something like that..you get a $2500 CL...

Re: Crown Jewelers

Schoolbuskid — Wed, 28 May 2008 18:25:14 GMT

Thats sounds nice, what was your main reason for getting this card?

slyhouse08 wrote:
YES..they only report to TU & EX...there was word that they might start back reporting to EQ in the future...and there is NO CREDIT CHECK....I think you CL is based off your income...but you usually only get a $1500 CL MAX...but if you buy something over $1300...or something like that..you get a $2500 CL...

Re: Crown Jewelers

Anonymous — Wed, 28 May 2008 18:53:05 GMT

Rebuilding credit...got my first CC last October...only $300 CL...and got a fully secured CC in Feb. $500 CL...thought it would boost scores...it did increase them...I wouldn't say a boost...but it helped...

Re: Crown Jewelers

Schoolbuskid — Wed, 28 May 2008 22:57:31 GMT

My thing is i dont think i would really use the account if i got it but since their is no credit check hence no inquiry i might as well go for it!

Thanks for your response!