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About 2 weeks ago I had done an online app for Kays and didnt get a instant yes or no. I went on about my day and did an app for Walmart (approved for $600) and one for Barclays NFL ( approved for $500). I waited a couple days and called up Kays and was informed that I needed to take in my ID and pay records as I am self employed and they couldnt verify. I just got around to it today as I hate going to the mall. Thats just a place that gets you in debt!!!!! I always leave my cards at home when going there. Either way after the guy in the store gave the CSR a call and did some checking I was approved for $2200. Talk about one happy female. First I love gold and second thats my highest limit I have ever had. I dont plan on using it until my anniversary but since I was doing the other 2 apps I had to toss that one in because we are going for a house in Dec so this was my last app spree. 3 for 3 sounds good to me. My credit must be looking up.
That's an awesome limit!!! Now you can buy yourself a valentines day present LOL..
Congrats to u love your title
Treat Kay's right and they will treat you right as the others have mentioned. For my experience, I have a Jared's card which is the "sister" company to Kays (same underwriter - Sterling). I got the card in 2009 for rebuilding purposes with a very generous limit of $5100 (IIRC). Then the next year they moved it up to $6700 (2010) then they moved it up to $10k in 2011 and $15k in 2012. It really helps with utilization!
It was well worth the trouble. I just hope I am moving in the right direction. I am very much in the garden (2 weeks in). Im very happy that I got a limit above the Merrick and Firestone $900. I thought I would never see a limit above $1000. Now to watch them grow!!!