Re: Kay Jeweler just don't buy any expensive jewelry there and you'll be fine those places are con-artists.
Re: Kay Jeweler Kay Jeweler? I HATE KAY JEWELERS!! ERRR!! settlement.. 25%for deletion. They have issues with accurate reporting.
Re: Kay Jeweler well, for those of us who need credit lines it may not be a bad deal! In the mean time, I told everyone I would keep you posted.... Just moments ago I received the following e-mail: > CONGRATULATIONS! > Your Preferred Customer Card* Is On Its Way > > > Thank you for choosing Kay Jewelers to meet your fine jewelry needs. > > As a Preferred Card Holder, the benefits are all yours: > > * Special Financing Programs Available > * No annual fees > * Allows your bank cards to be used for emergencies or other uses > * 90 Days to return your purchase for a full refund > (There is a 30 day return period for watches) > * Convenient shopping in our stores nationwide > * Preferred customer mailings > * Lifetime free replacement on loss of any diamond from its mounting > > Whether you've shopped with us before, or this is your first experience, > you'll be pleased to discover what we have to offer! You'll see a large > selection of styles, from the classics to the newest designs, everything you > would expect from your favorite fine jewelry store. > > Our friendly, professional staff will provide you with the quality service > you > deserve. We look forward to seeing you soon. > > > > > > * You do not need to wait for your Preferred Customer Card to enjoy the > benefits of your new Kay Jewelers account. Stop in at any of our > convenient > locations and a sales associate will be happy to assist you. > > > > Thanks, > Sarah > > >
Re: Re: Kay Jeweler Please don't mind me. I sometimes have an attitude problem. I agree it is a good chance to get back on track. My most sincere congrats!!!
Re: Re: Kay Jeweler SCMomOf5 you applied online Monday right? Two days? Wow that is quick. I also applied on Monday. Hope to hear from them soon. BTW do you want to divulge your CL?
Re: Re: Kay Jeweler Congras I applied on Monday also after reading the post. I got the same message as you...so I hoping for the same luck as you lol. Might buy something for my daughter also and myself of course.
Re: Re: Kay Jeweler Kay Jewlers (Sterling) is an inhouse finance company, insured credit by investors. Zales Diamond Card is issued by Citibank, and requires the standard Citibank approval standards - score and derog standards. Sterling reviews each application individually through Credit Managers, and makes decisions. They make on the spot decisions for the instore credit, first based on your score and then the follow through with the final verifications. Notice the receipt you sign in the store, subject to final credit approval. Just my 2cents.
Re: Re: Kay Jeweler I just could not wait any longer...had to call to check and see if I was approved, Lady told me that she had sent a e-mail and it was returned so she sent a letter and....It was approved $4000 credit line. just go to the store and give them my name and I could use the account before the card arrived. YAHHHH HOOOOO. I am so jazzed after getting dis approved by even providian.
Re: Re: Kay Jeweler They pulled TU which is good and bad. TU has always been delete happy for me! All I have on that bureau is my 9 month old mortgage and 2 18 month old cc's. I think that is why I didn't get much of a credit limit.... $2000. But that is OK! I was looking at improving my credit usage percentage. For those who have Kay reporting... is the CL showing the highest amount charged so far or does it not show at all? I have no problem charging it high, paying it off and leaving it that way!
Re: Re: Kay Jeweler how long does it take for enquiries to show up? I applied online yesterday...and I got the 7 day thingy... but no inquiries listed on PG... nothing on EXP. I cant check EQ til later. TU - I can never check live. damn TU. Why dont I show anything at all?
Re: Re: Kay Jeweler SC did you have any negs..on your TU report.. This would be a cool card to get and build on.. I haven't file BK, but my TU report (I'm in Louisiana) is my worse and has a alot on it... some being mistakes.. IWB
Re: Re: Kay Jeweler Thank you for the opportunity to consider your request for credit. Unfortunately, we are unable to approve your application at this time. Other payment options are available so that you may take advantage of our large selection of merchandise. You will receive a letter with the specific reason(s) for denial within 15 business days. We hope that we have the opportunity to serve you in the future. KayJewelers.com Ugh! Oh well. If it isn't the BK of two-plus years ago, it's probably the number of inquiries which is around 6 or 7 in the past six month. I'll let you know once "the letter" arrives.
Re: Re: Kay Jeweler If you don't mind can someone who has got the card and someone who hasn't list there vitals for TU. So I can decide if i want to try for it. Thanks
Re: Re: Re: Kay Jeweler I didn't get it. If they pulled TU for me, I probably would have, but they pulled EXP!!! My EXP report is showing a charge off from 2003 and a late payment from a student loan. The rest of my derogs are old, from 97/98, but some were re-aged to 2001. Good luck to you!
Re: Re: Re: Kay Jeweler Kay pulled TU, I have 2 BK-13 Dismissed-1999,2000 a BK-13 Discharged june 2003, IIB auto loan 0 bal, IIB auto 0 Bal. 3 inquiries, 8 good lines,3 revolving, i gas card, i target guest, all less than 6 months old, an old transunion acct(1993) 0 Bal current auto loan 6 months old 18000. anybodys guess is as good as mine why I got the 4 000 cl
