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Are Kays Jewery Credit cards hard to get?

Regular Contributor

Are Kays Jewery Credit cards hard to get?

I was thinking of applying for a Kays Jewery credit card and wanted to know how hard to get it would be. Do they require a high credit score?

-Current Score: TU 719 EQ 705 and EX 708 1-11-15
-My Goal: 740+ on all 3
-My wallet:
NFCU Cash Rewards 17k,Fidelity Amex 10.1k, QS 8k, DCU Visa Platinum 7.5k, Chase Freedom 7k, Penfed Promise 6.5k, Amex BCE 6k and Citi 5K.
Message 1 of 29
28 REPLIES
Established Contributor

Re: Are Kays Jewery Credit cards hard to get?

nope one of the easiest things to get, but don't get something you won't ever use imo. If your going to use it then fine, otherwise you can buy kays gift cards online and use the kays gift cards to make payments at a store lol


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 2 of 29
Epic Contributor

Re: Are Kays Jewery Credit cards hard to get?

REALLY EASY... and usually HIGH LIMITS to baffle the mind based on credit!

 

Message 3 of 29
Regular Contributor

Re: Are Kays Jewery Credit cards hard to get?

Do you have one? If so, what score did you have at the time you applied?

-Current Score: TU 719 EQ 705 and EX 708 1-11-15
-My Goal: 740+ on all 3
-My wallet:
NFCU Cash Rewards 17k,Fidelity Amex 10.1k, QS 8k, DCU Visa Platinum 7.5k, Chase Freedom 7k, Penfed Promise 6.5k, Amex BCE 6k and Citi 5K.
Message 4 of 29
Contributor

Re: Are Kays Jewery Credit cards hard to get?

I got a $1500 limit with a high 500s fico. About 4 collections and 3 plates on my report at the time. I think all they care about is your income to be honest, plus they increased mine almost $1000 in 6 months.
........???................659 (FICO)................659 (TU08) ........
Message 5 of 29
Established Contributor

Re: Are Kays Jewery Credit cards hard to get?

Do they care about recent INQ and new credit?

 

 

 

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Message 6 of 29
Valued Contributor

Re: Are Kays Jewery Credit cards hard to get?

www.whogavemecredit.com

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 7 of 29
Frequent Contributor

Re: Are Kays Jewery Credit cards hard to get?

One of the easiest to get, also Jared at the same time...they are sisters. You have to use them every now and then or they will cancel on you.

Message 8 of 29
Frequent Contributor

Re: Are Kays Jewery Credit cards hard to get?

They gave my husband his second line of credit and he started with a limit of 1000. I think he had been having a hard time getting approved for anything at the time. But be advised if your card is inactive for a while it will be closed. 


EX 695, EQ 703, TU 681 (1/17)
Message 9 of 29
Established Contributor

Re: Are Kays Jewery Credit cards hard to get?

store cards have a long inactive period, usually 1+ years, especially jewelry stores are good about it cause it's not every day most people buy jewelry. Again you can just buy a gift card online and use the gift card to pay off your kays account.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 10 of 29