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!!!!
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.
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?
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.
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..........
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.
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.
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.
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....
Re: Re: Kay Jewelers Approved W/540 Fic KAY JEWELERS and ZALES JEWELERS are not the same company as far as I know...
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.
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).