Is Kay Jewelers a Possibility

[CreditWarrior21]

Hi All,

I am not writing for myself today but for a friend of mine. He is looking to ask his girlfriend of 2 years to marry him. Right now his credit sits at 590 with no other open tradelines. He has a few baddies but one is set to fall off soon. I have read here that Kay Jewelers gives people credit with these kinds of scores. If he goes into the store to apply-do you guys think he will be approved for anything? Any experience with this?

Oh and dont worry-I have directed him to this site-and given him some tips I have learned on managing credit!

Thanks!

[johnsj21]

A 590?  That's a tough one.  I got mine with a score of 620 and I got a $3k limit, but I also had no baddies.

[Red22]

I got Kay and Jared (same day online) with a 590 EQ.  My CL is $3000 on each.  Also had some baddies that were over 5 years old when I apped, a new Crown Jewelers account with CL of $2500, and BofA secured with $300 CL.  Mind you CJ no longer reports, but  CJ may have helped my CL of Kay and Jared.

[jennordy]

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@Istherehope wrote:

Hi All,

I am not writing for myself today but for a friend of mine. He is looking to ask his girlfriend of 2 years to marry him. Right now his credit sits at 590 with no other open tradelines. He has a few baddies but one is set to fall off soon. I have read here that Kay Jewelers gives people credit with these kinds of scores. If he goes into the store to apply-do you guys think he will be approved for anything? Any experience with this?

Oh and dont worry-I have directed him to this site-and given him some tips I have learned on managing credit!

Thanks!

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I got a Kay's 3 months after my Ch. 7 BK discharge with an EQ score of about 590.....$2k limit.

[Anonymous]

if you decide to app for it let me know the results. i'm hovering right around 615-620 ficos and i'mlooking to expand and show different types of credit to build my scores. i was thinking of apping for this but don't want to risk the inquiry.

[pattycake]

I got a Kay card almost four years ago with scores around the 580 range.  My CL was only $2500, but I never use it.  It's good as a builder card, though. 

[Anonymous]

so my app finger got itchy and i decided to try it. this is the response that i got.

Thank you for applying for a Kay Jewelers Credit Account. We were unable to fully process your request for instant credit at this time. We will notify you via US mail of our decision regarding your request for a Kay Jewelers account within 20 business days.  

i guess we'll see when i get the mail. 

[pattycake]

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@Anonymous wrote:

so my app finger got itchy and i decided to try it. this is the response that i got.

Thank you for applying for a Kay Jewelers Credit Account. We were unable to fully process your request for instant credit at this time. We will notify you via US mail of our decision regarding your request for a Kay Jewelers account within 20 business days.  

i guess we'll see when i get the mail. 

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I got the same response and received the card two weeks later.  You can always call their backdoor number, stickied at the top of this board, to see if they can give you an answer. 

Good luck rebuilding!!!  It's a long journey but sooooo worth it! 

[happy0510]

Just got the card 1 week ago with $1,800CL

I had 2 open TL's with 1 being open less than a month.

1 major baddie from 5 years ago.

[Breakthecycle2]

I just applied for Kays and Jareds and I got "there is a system error". I have tried three times already and non of them have gone through.