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Kay Card - how long can it remain in active before it closes?

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AnaMKMK
New Contributor

Kay Card - how long can it remain in active before it closes?

In general, how long can you keep a card in-active without the bank closing it out on you?

 

I have a Kay jewelers card ($0balance, good history, $6100CL) I want to make sure this card stays open because its got good history and is fantastic for my utilization. I tried calling Kay and asking how often I'd need to use the card before they auto-close it, which I understand they do, but the Rep said that wasn't something they could answer. Any one have experience with Kay? Or in general?

 

Thanks

Message 1 of 8
7 REPLIES 7
hedgeclipper2
Frequent Contributor

Re: Kay Card - how long can it remain in active before it closes?

I opened mine in July of 09 when I was thinking about buying a Movado watch from them on sale, but I ended up getting something else.

 

Never used it once, still open, still the same limit.  So I guess it is a YMMV kinda thing.

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My favorite card right now: Fidelity Investment Rewards Visa Signature
Message 2 of 8
JaseT
Established Contributor

Re: Kay Card - how long can it remain in active before it closes?

I've heard a year, but I think it is a YMMV thing. I will probably sock drawer mine. I've bought two Movado watches and two diamond rings since November. They always want to pull a hard when I use it and I'm done with that crap.


BK7 Filed 12/16, Discharged 3/17 *** Current Revolving CL Total $122.1k *** PIF/AZEO
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On My Radar Cards: Nothing ATM
Future Goal Cards: US Bank Cash +, Citi Double Cash, Discover It, BoA Cash Rewards, USAA Cashback Rewards Plus Amex
Message 3 of 8
Anonymous
Not applicable

Re: Kay Card - how long can it remain in active before it closes?

I'm curious about this, as well. I got mine last December, with a 5100 CL. I bought a bracelet for my daughter, and then put the card in the SD. My watch battery died this month, so I went to Kay to replace it and put it on my card. My card is currently back to sniffing my socks. I have a couple of jewelry repairs that I'd like to have done and will probably plan on those for next month. After that, I don't foresee much use... maybe around the holidays again. But it's a wonderful card for my util, so I really want to keep it open.

Message 4 of 8
Smarter
Regular Contributor

Re: Kay Card - how long can it remain in active before it closes?

I asked this question when in the store at Christmas and the manager told me 2 years of inactivity and your card will be closed. He seemed to know what he was talking about...

Message 5 of 8
Anonymous
Not applicable

Re: Kay Card - how long can it remain in active before it closes?

2 years seem about right, I had mine open for 18 months before I used it

Message 6 of 8
700orbust
Frequent Contributor

Re: Kay Card - how long can it remain in active before it closes?

Pretty sure its 2 years for any Sterling account (Kay, JBR, etc) 

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Message 7 of 8
jj10939
Regular Contributor

Re: Kay Card - how long can it remain in active before it closes?

It is definitely 2 years..I called and asked that question a few months back.

Message 8 of 8
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