"Approved And Shocked"
Kay Jewelers Credit Card Review
Written by: moniqueluv on 2009-10-21
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
moniqueluv's review: 
I just call the number for kays and I spoke to josh I was afraid applying because I'm starting to build credit and don't have any revolving acct my FICO with equifaxs is 636 and I advice him that I have a collection acct from 8 months ago and to my surprised he said I was approved for 4,500 so I'm glad also I decided to apply with bestbuy and I was declined due to limited credit history so I called and speak to a superviser and said that she was going to over turned so I could be approved then she said to faxs my statement of my car for proof since it showed being disputed I adviced her it was a mistake from equifaxs then I faxs it and I call back and another superviser was denying myapplication so I escalated to ceo because the previous superviser said she was going to reconsider it so tommorrow I should be getting a response hopefully I get approved I will escalated till it gets approved what are my chances? But for kays I'm happy and I did it through phone so anyone interested call and just speak to a credi analyst before applying and they will let you know before if you tell them what your credi looks like.
they pulled equifaxs
I just call the number for kays and I spoke to josh I was afraid applying because I'm starting to build credit and don't have any revolving acct my FICO with equifaxs is 636 and I advice him that I have a collection acct from 8 months ago and to my surprised he said I was approved for 4,500 so I'm glad also I decided to apply with bestbuy and I was declined due to limited credit history so I called and speak to a superviser and said that she was going to over turned so I could be approved then she said to faxs my statement of my car for proof since it showed being disputed I adviced her it was a mistake from equifaxs then I faxs it and I call back and another superviser was denying myapplication so I escalated to ceo because the previous superviser said she was going to reconsider it so tommorrow I should be getting a response hopefully I get approved I will escalated till it gets approved what are my chances? But for kays I'm happy and I did it through phone so anyone interested call and just speak to a credi analyst before applying and they will let you know before if you tell them what your credi looks like.they pulled equifaxs
Apply Now
8 Comments
Comment 1 by meya
Re: Approved And Shocked 
on 2009-10-22
Nice limit for over-the-phone! Way to go, they are really cool, customer service is wonderful, and I never had a problem with them so far!
on 2009-10-22 Nice limit for over-the-phone! Way to go, they are really cool, customer service is wonderful, and I never had a problem with them so far!
Comment 2 by moniqueluv
Re: Approved And Shocked on 2009-10-22
Thanks I want to know now that I have kays how much would my monthly payments be. And does these card reports to all 3 credit bureaus. Also I applied for the b of a secured card what are my chances of being approved cause I do have a collection from 10 months ago please advice me and help me... I really want to rebuild my credit
on 2009-10-22 Thanks I want to know now that I have kays how much would my monthly payments be. And does these card reports to all 3 credit bureaus. Also I applied for the b of a secured card what are my chances of being approved cause I do have a collection from 10 months ago please advice me and help me... I really want to rebuild my credit
Comment 3 by patrick12
Re: Approved And Shocked on 2009-10-22
Yes! Kays reports to all three bureaus! I would also suggest applying for Jared and JB Robinson Jewelers like I did, they all 3 are owned and operated by Sterling Jewelers, and normally what ever your limit was for Kay they will match for the other 2, as far as a secured card goes, with your score I would try Capital One, Hooters, Credit One Bank, any GEMB card, for example, Wal-Mart, Belk, Lowes, ect... They are not secured and report to all three as well!
on 2009-10-22 Yes! Kays reports to all three bureaus! I would also suggest applying for Jared and JB Robinson Jewelers like I did, they all 3 are owned and operated by Sterling Jewelers, and normally what ever your limit was for Kay they will match for the other 2, as far as a secured card goes, with your score I would try Capital One, Hooters, Credit One Bank, any GEMB card, for example, Wal-Mart, Belk, Lowes, ect... They are not secured and report to all three as well!
Comment 4 by moniqueluv
Re: Approved And Shocked on 2009-10-22
Thanks patrick but for capital one I did the prequalified and its says I'm not qualified but ill just wait on the answer for b of a secured hope they approved I did told them they can deduct 500.00 from my savings by the way what creditor does hooters pulls. I'm interested on hooters card thanks
on 2009-10-22 Thanks patrick but for capital one I did the prequalified and its says I'm not qualified but ill just wait on the answer for b of a secured hope they approved I did told them they can deduct 500.00 from my savings by the way what creditor does hooters pulls. I'm interested on hooters card thanks
Comment 5 by patrick12
Re: Approved And Shocked on 2009-10-22
Hooters is an exclusive TransUnion puller.
on 2009-10-22 Hooters is an exclusive TransUnion puller.
Comment 6 by meya
Re: Approved And Shocked on 2009-10-26
You monthly payment is according to your balance. When I charged $500, I had to pay $50 per month. Don't take advantage of that too long because the APR is pretty high.
on 2009-10-26 You monthly payment is according to your balance. When I charged $500, I had to pay $50 per month. Don't take advantage of that too long because the APR is pretty high.
Comment 7 by moniqueluv
Re: Approved And Shocked on 2009-10-26
Thanks meya I've seen you've been very supportive. So can you help me with some questions I just started to rebuild and I only have kays card and new millenium as revolving accts plus my car payment which is an installment loan also waiting on answer from b of a secured card hope they approved me what are my chances or should I just wait 6 more months to show lenght of credit history on revolving but don't forget I have 1 charge off from 2003 and late payment on student loan from 12/2008 please advice. Also student loan id deffered and I hired lexington law to delete the charge off and the student loan what do you think? Thanks
on 2009-10-26 Thanks meya I've seen you've been very supportive. So can you help me with some questions I just started to rebuild and I only have kays card and new millenium as revolving accts plus my car payment which is an installment loan also waiting on answer from b of a secured card hope they approved me what are my chances or should I just wait 6 more months to show lenght of credit history on revolving but don't forget I have 1 charge off from 2003 and late payment on student loan from 12/2008 please advice. Also student loan id deffered and I hired lexington law to delete the charge off and the student loan what do you think? Thanks
Comment 8 by meya
Re: Approved And Shocked on 2009-10-27
Sure, do me a favor and copy this question over to the link below so we can keep the comments for Kay's relative. Thanks!
http://www.financeglobe.com/FN/showthread.php?393&highlight=advice
on 2009-10-27 Sure, do me a favor and copy this question over to the link below so we can keep the comments for Kay's relative. Thanks!http://www.financeglobe.com/FN/showthread.php?393&highlight=advice
Please login or register for free to view your stats, add reviews and card application results, or post comments.
Credit card reviews and comments are posted by user submission and do not warrant the opinions of Finance Globe.
Disclaimer: This content is not provided by Comenity Bank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Comenity Bank. Review content is powered by Finance Globe.
Disclaimer: This content is not provided by Comenity Bank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Comenity Bank. Review content is powered by Finance Globe.
