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My reason for the Kay card is the purchase I want is 3200 and I think I stand a better chance getting approved for that amount cause they carry their own in house financing. Chase wont give me that high of a cli nor do I think applying with discover will give me that amount as well. It would be a gamble to apply elsewhere hoping for a limit of at least 3200
@Creditaddict wrote:to everyone that says open a credit card with promo instead of kays... the reason you get kays is because they will give you the CL!!
Exactly!
@rootpooty wrote:
@Creditaddict wrote:to everyone that says open a credit card with promo instead of kays... the reason you get kays is because they will give you the CL!!
Exactly!
I don't think someone with 800 credit scores and $100k income is really the Kay client anyway, so no they are not going to get a kay card....
I had an Ex that got a Kay card with $1200 limit with a 556 credit score.
I had a $1500 limit with open BK and like a 580ish
and now I have a $2700 limit Kay card (probably closing any moment for inactivity... that is one down side is they won't let it just sit around and let you collect a nice revolving line of credit for util. or something, they close in under 12 months in my experience... but if you purchase and keep open, they also seem to CLI every 12 months or so.
@randyrhodes wrote:
Who does Kays pull for score?
EQ i believe
wow i didnt think they approved store credit with scores in the high 500's
@rootpooty wrote:wow i didnt think they approved store credit with scores in the high 500's
Kay goes lower then most because they are the bank... they issue the card themselves.
Von Maur is similar but they have tiny credit lines to keep you locked in for a while to watch you but I rather be issued a small line to test me then flat deny!
Creditaddict is correct regarding Kay Jewelers. Kay’s finances their own credit card accounts, and they are not as stringent as other credit card companies for obtaining a high credit limit. Applying in-store is always better because the sales associate can verify a person’s identity, and may recon in-store for a bigger limit (not always granted, but we can ask!!). Also, they will close someone’s account for inactivity if greater than 24 months. If your account is approaching 22 months, making a small purchase is a good idea, provided you want your account to stay open. Finally, 12 months interest free, requiring 20% down on $500 or more is standard policy, which works for a lot of people.
how does the tradeline report? say your given a 5k store limit but only charge 1500. does the limit report or just what you charged?