"Unable To Process Your Request ."
Kay Jewelers Credit Card Review
Written by: lightemup3 on 2010-03-07
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
lightemup3's review: 
"Thank you for applying for a Kay Jewelers Credit Account. We were unable to fully process your request for instant credit at this time. We will notify you via US mail of our decision regarding your request for a Kay Jewelers account within 20 business days." My scores are 590 595 and 611, tried then back in July of 2009 and was denied this also looks like it will be denied, I have 2 First Premier Bank cards, a Credit One Card, a Orchard Bank Card and a Fingerhut Card. I cant understand why Kay won't approve me.
"Thank you for applying for a Kay Jewelers Credit Account. We were unable to fully process your request for instant credit at this time. We will notify you via US mail of our decision regarding your request for a Kay Jewelers account within 20 business days." My scores are 590 595 and 611, tried then back in July of 2009 and was denied this also looks like it will be denied, I have 2 First Premier Bank cards, a Credit One Card, a Orchard Bank Card and a Fingerhut Card. I cant understand why Kay won't approve me.
Apply Now
6 Comments
Comment 1 by rockin35
Re: Unable To Process Your Request 
on 2010-03-07
Wait for the letter, it might not be a rejection letter or denial of credit.
rockin35
on 2010-03-07 Wait for the letter, it might not be a rejection letter or denial of credit.rockin35
Comment 2 by thomas1
Kays on 2010-03-07
Unable to process your request might be a computer problem contacting the bureau they would pull from, or that you may have applied over the weekend when their system would automatically manual review your application due to credit dept closed, etc.
Good luck, there are others on this board who have been approved with similar scores. Kays has been getting a lot of apps as of late, and could be tightening up their credit lending guidelines.
Is there any new derog info reporting recently, or is everything the same as the last time you reported? If you applied 6 months ago and were denied, you scores should have improved by now, provided you haven't opened up more accounts lately.
on 2010-03-07 Unable to process your request might be a computer problem contacting the bureau they would pull from, or that you may have applied over the weekend when their system would automatically manual review your application due to credit dept closed, etc.Good luck, there are others on this board who have been approved with similar scores. Kays has been getting a lot of apps as of late, and could be tightening up their credit lending guidelines.
Is there any new derog info reporting recently, or is everything the same as the last time you reported? If you applied 6 months ago and were denied, you scores should have improved by now, provided you haven't opened up more accounts lately.
Comment 3 by kforbes86
Call Them And Ask. on 2010-03-09
I received the same message and found out that it was because my driver license number was not showing up anywhere, even though I put it in correctly. I ended up calling them and getting asked some questions, and was approved. You should call them and find out whats going on.
on 2010-03-09 I received the same message and found out that it was because my driver license number was not showing up anywhere, even though I put it in correctly. I ended up calling them and getting asked some questions, and was approved. You should call them and find out whats going on.
Comment 4 by lightemup3
CALLED on 2010-03-09
Well I called and the lady was very rude she said she couldn't help me so I started to get mad and said to speak to someone else, she then said to go apply again in the store! I said I don't need another hard credit pull she then took my info and said that I was denied due to derog credit. Guess I'm the only one that wont be getting this card.
on 2010-03-09 Well I called and the lady was very rude she said she couldn't help me so I started to get mad and said to speak to someone else, she then said to go apply again in the store! I said I don't need another hard credit pull she then took my info and said that I was denied due to derog credit. Guess I'm the only one that wont be getting this card.
Comment 5 by andrew1236
Unable To Process Your Request . on 2010-07-01
I got the same message when I applied online. So, I called the next day. They needed to veify my phone and employment. I got approved. So, the message unable to process is not necessarily a denial.
on 2010-07-01 I got the same message when I applied online. So, I called the next day. They needed to veify my phone and employment. I got approved. So, the message unable to process is not necessarily a denial.
Comment 6 by lightemup3
Approved! on 2011-06-11
Filled out the application online and got an instant approval of a $2000 limit!
on 2011-06-11 Filled out the application online and got an instant approval of a $2000 limit!
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.
