Guest jeeptravel Posted February 12, 2005 Report Share Posted February 12, 2005 KAY Jewelers, I applied and was Online approved. Card to come in the mail in 7-10 days Nice thing to have around Valentines Day!Current scores are low 600's w/ dschd BK7 4/04.jt Link to comment Share on other sites More sharing options...
MaggieNY Posted February 12, 2005 Report Share Posted February 12, 2005 Congrats! I was approved in December - just in time for Christmas. Link to comment Share on other sites More sharing options...
Prophetic1 Posted February 13, 2005 Report Share Posted February 13, 2005 Congrats !!!I was approved 2 weeks ago, $1500 cl, should help my ut.Just left Kay's couldn't pull the trigger and use card, maybe tomorrow Link to comment Share on other sites More sharing options...
MaggieNY Posted February 13, 2005 Report Share Posted February 13, 2005 Congrats !!!I was approved 2 weeks ago, $1500 cl, should help my ut.Just left Kay's couldn't pull the trigger and use card, maybe tomorrow Unfortunately, it will not help utilization as they don't report credit limits. Link to comment Share on other sites More sharing options...
miracle Posted February 13, 2005 Report Share Posted February 13, 2005 Woo hoo! Congrats! Link to comment Share on other sites More sharing options...
bigdaddyroy Posted February 14, 2005 Report Share Posted February 14, 2005 Congrats on the new card from Kay....... Link to comment Share on other sites More sharing options...
jq26 Posted February 16, 2005 Report Share Posted February 16, 2005 JeepTravel / others-I applied online for Kay Jeweler card after reading your post. My FAKO is 596/606/614. I had discharged BK7 in 10/04. I filled out the Kay Jeweler app online and instantly received a message saying that they will be in touch with me in the next 7 days. Does this suggest that they denied me? I don't even plan on buying anything, it just would have been another line of credit. I should add that I added a FRAUD ALERT to my CRA reports two weeks ago. Not sure if that factors in on the delay. Link to comment Share on other sites More sharing options...
Guest jeeptravel Posted February 17, 2005 Report Share Posted February 17, 2005 It took 2 days before I got an email notice saying I ws approvedThe fraud alert is a tricky one. I would say that might slow you down some.Probably a good idea to not apply for things when that is on but that's just my inclination. If you are denied, maybe you can get the inq. removed based on the mess with the fraud alert, not sureLet us know!jt Link to comment Share on other sites More sharing options...
jq26 Posted February 17, 2005 Report Share Posted February 17, 2005 Thank man, much appreciated! I will let the board know if Iam approved. Link to comment Share on other sites More sharing options...
edubb007 Posted February 17, 2005 Report Share Posted February 17, 2005 Congrats !!!I was approved 2 weeks ago, $1500 cl, should help my ut.Just left Kay's couldn't pull the trigger and use card, maybe tomorrow Unfortunately, it will not help utilization as they don't report credit limits.I can't stress that Quote more! Be careful! They are just as bad a Crap1!I closed my TL w/ them due to errornious reporting! They also take forever to update when you pay the balance off and longer to actually close the TL. Link to comment Share on other sites More sharing options...
jq26 Posted February 17, 2005 Report Share Posted February 17, 2005 I thought it was Zales that doesn't report credit limits. Either way, I will use it one time for $20, then NEVER again. I'm planning on getting engaged in the next year, but the ring fund has been established and no ring will be purchased till its a cash only transaction! FYI- I noticed this morning that Target started reporting to all three today. Sure enough, the $300 limit is only reporting as $20 for equifax! Link to comment Share on other sites More sharing options...
edubb007 Posted February 18, 2005 Report Share Posted February 18, 2005 Target is a major toolbag reporting company as well. Usage VS. CL...Boo to that one too! Link to comment Share on other sites More sharing options...
nativechild48 Posted February 20, 2005 Report Share Posted February 20, 2005 Target red card does not report the limit, but the Target Visa does. Also, Kay Jewelers will do a hard inquiry everytime you make a purchase! Link to comment Share on other sites More sharing options...
divinczech1 Posted February 21, 2005 Report Share Posted February 21, 2005 I made a purchase in December and got no hard from Kay? Link to comment Share on other sites More sharing options...
Guest jeeptravel Posted February 22, 2005 Report Share Posted February 22, 2005 I heard it depends on whether you've used it for a while and/or if it's the first purchase.You can bet I wont use it if the clerk tells me they need an inquiryjt Link to comment Share on other sites More sharing options...
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