Kay Jewelers Data Points

[Anonymous]

I'm going to be applying for a Kay Jewelers Card next month for an engagement ring and will need to finance about $2700 after I put about $1000 down and I'm hoping they will approve me for at least that.

I was wondering for those that currently have this card:
What were your scores at time of approval/denial
What baddies did you have in your reports
What was your SL at approval
Did the item you were trying to purchase have an influence on your SL

[Anonymous]

I applied last weekend only because I head this card has large limits. I'm rebuilding and wanted to increase my available amount. I was denied. I have several old charge offs and other negatives but I've been getting some meager approvals lately so I thought I might have a shot. My co-worker, who has some baddies and similar scores to mine, got $2,500.

[Anonymous]

they don't care what you're trying to buy. they run your credit and tell you what you're approved for and then you need to do the 20% down for the 0%
um my file was limited when i got mine. idr my scores but only had a year old $500 card, a year old $100 LOC and a $1,500 freedom but i got it the same month so idk if it was reported yet. this was november 2011 and i was like 20 and didn't know much about credit. i was approved for $2,400 and after paying off the ring it went up to $3,200 and now is at $5,300

[Anonymous]

where did you hear they give large limits? i haven't seen many over $7,500 on this site (obviously i bet people do but i mainly see $1-$3k on average)

[Anonymous]

What's your scores? Are the charge offs paid? And we're you trying to buy anything or just applying for it

[Anonymous]

is that directed at me?

[Anonymous]

@cam3150 my bad xterror lol

[Anonymous]

Would it be better for me to apply before or after my 5 year car loan is paid off and closed next month? I have no other installment loans on reports

[Anonymous]

my scores always went up when paying off installment loans

[Anonymous]

I have no recent experiance with them, but in 1999 I had almost no credit and they approved me for a card. No idea the limit, but I charged about $800 and paid it off. 10-years later in 2009 I had horrible credit. As in no open accounts, only collections and charge offs, and repos etc. I applied online thinking yeah right and I was shocked I was instantly approved for $2,000 limit. I never ended up using it, they closed it 2 years later for inactivity. It could have been because they remembered me from before, and also it is possible times have changed, but my experiance from then was this was a super easy card to get.