Kay Jewelers Approved W/540 Fico

Discussion in 'Credit Talk' started by hunzi1, Dec 1, 2003.

  1. hunzi1

    hunzi1 Active Member

    Went to www.kay.com with a friend that needed some good trades added. She was approved for 2k limit with 540 fico on TU.

    She has a BK 7 in 10/02 and 2 new trades since then and a ton of inquires. She called her local Kay and they told her about thier easy requirments so she applied online with me. She bought a nice braclet for her DH.

    Mabe they are in the Holiday Spirit!!!!
     
  2. hunzi1

    hunzi1 Active Member

    BTW.... Kay is BK "Friendly" per salesman, so any one needing a tradeline should apply. It worked for my friend and she had a BK 7 in Oct 2002.
     
  3. DOITMYSELF

    DOITMYSELF Well-Known Member

    Wow that is great news! Has anyone else here (CN) been approved for Kay?
     
  4. trent1059

    trent1059 Well-Known Member

    Re: Kay Jewelers Approved W/540 Fic

    Who is the bank behind Kay/Jared/sterling Jewelery?

    Any one else tried them yet? is it instant or do you have to wait for the mail?
     
  5. SCMomof5

    SCMomof5 Well-Known Member

    Re: Kay Jewelers Approved W/540 Fic

    I went ahead and did the online app. My fico is far higher, my bk 13 will be 6yrs old on 1/1/03. I was told, online, that I would hear from them within 7 business days....

    I will keep all informed of the results.
     
  6. NanaC

    NanaC Well-Known Member

    Thanks for the info, I'll add to the CC after Bk list...:)
     
  7. GEORGE

    GEORGE Well-Known Member

    Are "THEY" NON BK friendly too???

    700+ F.I.C.O.

    Like NON TOY ACCOUNTS???

    $5,000-$20,000???
     
  8. itsmymoney

    itsmymoney Well-Known Member

    Make sure she is aware they automatically add insurance to her account. Unless she wants it, she willneed to call and cancel it. It's an added expense to her and extra dollars in thier pocket. Runs about $4.00 per month in addition to her payment..........
     
  9. broncsboi

    broncsboi Well-Known Member

    I tried it this morning and also received the "you'll hear from us in 7 business days." I'll let you know also.

    My BK was discharged 10/01 and my scores are mid-600s. I have a few established accounts also.

    Please please let me get it.
     
  10. broncsboi

    broncsboi Well-Known Member

    I applied online for a Zales card a couple months back and received a letter telling me to call them because they needed more information. If I didn't call within 14 days (something like that) then they would just close it out.

    Well I got scared and never called. Don't know why. So I wasted a hard.

    I wonder what would happen if I called them and told them what happened if they would still have me on file somewhere and look again at my app without pulling hards again. Anyone?

    Well if I get this Kay card I guess I wouldn't need to.
     
  11. Hedwig

    Hedwig Well-Known Member

    Wouldn't hurt to call them and ask. Tell them you only want it if they don't pull a hard inquiry.

    Maybe they just wanted to verify information or something.
     
  12. AtlantaGA

    AtlantaGA Well-Known Member

    What CRA did they pull?
     
  13. broncsboi

    broncsboi Well-Known Member

    They pulled Experian. I live in Arizona.

    Said

    Zale/CBUSA
     
  14. AtlantaGA

    AtlantaGA Well-Known Member

    Kay Jewelers...what CRA did they pull?
     
  15. trent1059

    trent1059 Well-Known Member

    Re: Kay Jewelers Approved W/540 Fic

    I'm confused is Kay the same as zales? I got the "we will contact you in 7 days" message also, They have not pulled a EXP report,I will chack PG in the morning to see who they pulled> keeping my fingers crossed....
     
  16. GEORGE

    GEORGE Well-Known Member

    Re: Re: Kay Jewelers Approved W/540 Fic

    KAY JEWELERS and ZALES JEWELERS are not the same company as far as I know...
     
  17. attempt

    attempt Active Member

    Re: Kay Jewelers Approved W/540 Fic

    What is a PG?
     
  18. GEORGE

    GEORGE Well-Known Member

  19. Kona

    Kona Member

    Re: Re: Re: Kay Jewelers Approved W/540 Fic

    Kay Jewelers and LeRoys Jewelers are both divisions of Sterling Jewelry. I have a LeRoys credit card with a cl of $4000, but the credit reports sometimes show it as Kay Jewelers at times, and at other times, Sterling. When I first spotted this, I called LeRoys and they confirmed both were divisions of Sterling. Zales is an independent jewelry company.
     
  20. PrimoCredi

    PrimoCredi Member

    Re: Re: Re: Kay Jewelers Approved W/540 Fic

    Just a warning: I have a Kays credit card. I was approved with a $4000 balance (wanted to use it for utilization) but it shows up as $0 balance/$0 limit. Haven't bought anything yet but it looks like it acts like Cap One (Firestone's credit card does the same thing).
     

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