"Instant Approval!"
Kay Jewelers Credit Card Review
Written by: patrick12 on 2008-12-18
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
patrick12's review: 
I applied for this card and was approved on the spot! Credit Limit is 1500.00 no idea what the rate is, and my Equifax score at the time of approval is 532! They state in the application that Equifax was used at the time of approval! I applied for this card twice and was denied each time, now the third time was the charm! Thanks for all the help on here guys! Meya you have been great too! Happy Holidays guys!
I applied for this card and was approved on the spot! Credit Limit is 1500.00 no idea what the rate is, and my Equifax score at the time of approval is 532! They state in the application that Equifax was used at the time of approval! I applied for this card twice and was denied each time, now the third time was the charm! Thanks for all the help on here guys! Meya you have been great too! Happy Holidays guys!
Apply Now
6 Comments
Comment 1 by charonh
Congratulations! 
on 2008-12-18
It seems Kay is showing a lot of people love hear lately. Enjoy your new card and its just in time for the holidays.
on 2008-12-18 It seems Kay is showing a lot of people love hear lately. Enjoy your new card and its just in time for the holidays.
Comment 2 by colonative
Down Payment on 2008-12-18
Did they tell you if you have to pay a down payment when you buy something?
on 2008-12-18 Did they tell you if you have to pay a down payment when you buy something?
Comment 3 by brian23
Congrats... on 2008-12-18
On the approval. Yeap, this seems to be a very popular card around here and with a decent approval rate.
on 2008-12-18 On the approval. Yeap, this seems to be a very popular card around here and with a decent approval rate.
Comment 4 by meya
Wahooo on 2008-12-18
Thanks!
Way to go Buddie! This is really a cool card to have. I have never had any problems with them as of yet and never had to put a down payment down on anything. Nice limit you got there, don't spend to much for the holidays... Lol
on 2008-12-18 Thanks!Way to go Buddie! This is really a cool card to have. I have never had any problems with them as of yet and never had to put a down payment down on anything. Nice limit you got there, don't spend to much for the holidays... Lol
Comment 5 by lindalu
Congrats! on 2008-12-19
Do you have anything negative on your credit report ? such as bankruptcy, or anything... Is your utilization low? And any collection or chargeoffs?
just trying to determine my change of approval... My score with equifax is 587 but Ihave a bk..
thanks for the info!
on 2008-12-19 Do you have anything negative on your credit report ? such as bankruptcy, or anything... Is your utilization low? And any collection or chargeoffs?just trying to determine my change of approval... My score with equifax is 587 but Ihave a bk..
thanks for the info!
Comment 6 by patrick12
LindaLu on 2008-12-19
Linda, I had a BK back in July of 2002, I have one small collection, and I just got a lot of negatives deleted from my equifax, just to give you an idea, before I had new trades established less than a year ago my equifax score was a 476, it has went up 100 points in a matter of 9 month with 9 new trade lines, April of this year being my oldest! I checked my equifax score last night after the Kay approval and it was 576! So it all depends on whats on your bureau and the age of your accounts! I hope this information was helpful! Thanks Patrick
on 2008-12-19 Linda, I had a BK back in July of 2002, I have one small collection, and I just got a lot of negatives deleted from my equifax, just to give you an idea, before I had new trades established less than a year ago my equifax score was a 476, it has went up 100 points in a matter of 9 month with 9 new trade lines, April of this year being my oldest! I checked my equifax score last night after the Kay approval and it was 576! So it all depends on whats on your bureau and the age of your accounts! I hope this information was helpful! Thanks Patrick
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.
