KAY

[tbenz6876]

I just applied and this is the message that I got.

Thank you for your interest in Kay Credit. Your application has beensubmitted outside of our hours of operation.  You will receive ane-mail message updating you on the status of your application by thenext business day.  Our hours of operation are Monday-Saturday 8 am to2 am EST and Sunday 10 am to 12 am EST Thank you for your interest in Kay Credit. Your application has beensubmitted outside of our hours of operation.  You will receive ane-mail message updating you on the status of your application by thenext business day.  Our hours of operation are Monday-Saturday 8 am to2 am EST and Sunday 10 am to 12 am EST

[Anonymous]

Hey yall,

Where do they pull in GA? Please say Equifax..

[Anonymous]

They pulled a hard on EQ and a soft on EX for me.
Pretty sure they pull EQ for everyone.

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@Anonymous wrote:

Hey yall,

Where do they pull in GA? Please say Equifax..

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[Myhearts]

Hey all, It's Hearts....   I have a new login which will show up as Presley06... Still Eve.

Got approved for $1300 just a few minutes ago.  I was surprised though... I guess all that paid off debt made a difference, huh?

Evelyn

Message Edited by presley06 on 12-08-2007 09:39 PM

[SmartCookie]

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princeromeo wrote:

well i was approved today for 1500.00 they did pull TU my score is like 574 not gonna be enough for  anice wedding ring anybody else got credit for another jeweley place? my scores are equifax 741 ex 614 tu 574

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If you aren't necessarily looking for a store card...  there are some great places that offer nice financing.  My favorite is diamond.com, I think they have the best choices for customizing exactly what you want it all price ranges.  Second is ice.com, which doesn't have quite as many choices but is still very nice.  Last would be bluenile.com which has financing thru BoA which you apply for before you make a purchase.  I believe that all 3 stores are somehow related. 

diamond.com has stellar customer service in every aspect.  If you have unique financing requests they will try to make it happen.

[haulingthescoreup]

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@presley06 wrote:

Hey all, It's Hearts.... I have a new login which will show up as Presley06... Still Eve.

Got approved for $1300 just a few minutes ago. I was surprised though... I guess all that paid off debt made a difference, huh?

Evelyn

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Hi, Eve! Does this mean you're an Elvis fan? Congrats on the approval and the pay-down.

[tbenz6876]

I have no baddies on my credit and they only approved me for $800.00. Guess they fgure with teh amount of money I make that I did not really need an account with them.

[Anonymous]

FYI. The markup on jewelry at chain stores very large.  Would suggest BlueNile.com or similar online jeweler.  Buy only a GIA certified diamond.  Best way to insure you are getting what you paid for.  BlueNile offers financing through BofA.  Helping your credit with a measly 2K credit line isn't worth it if you are losing money on your purchase.  Jewelry is an investment

Message Edited by jerdrake on 12-09-2007 08:51 AM

Message Edited by jerdrake on 12-09-2007 08:53 AM

[tbenz6876]

How are there standards on issueing credit through BlueNile?

[fishbjc]

Dh paid $6k for my center stone about 8 years ago (2nd ring) through a jeweler friend, and while I truly appreciate it, I would have been UPSET if he had purchased on a payment plan.

Have you thought about purchasing a ring that's three stones....past present future?  If you purchase 3 1/3 carat stones, it's way less than a one carat stone.

Also, check out pawn shops...you can get a wonderful deal there.  Make sure you take anything to a reputable jeweler afterwards.

Wells Fargo also finances a lot of jewelry and they're pretty 'friendly' with the CR.   I believe you can still apply online for a line of 'credit'.  You can then use that credit line (with their checks) as you would cash.