Liability for Unauthorized Use:You agree to notify us promptly if your Card is lost or stolen, or of the unauthorized use of your Card, by writing to us at Kay Jewelers, P.O. If you orally give us notice, you agree to confirm in writing. You can finance large jewelry purchases with minimal to no interest as long as you can pay the balance within the promotional period. 12 Months Special Financing 1: $500 minimum purchase and 20% down payment required. *, 36 Months Special Financing: $3,000 minimum bridal purchase made in store.*. If you’re planning to drop $3,000 or more on engagement or wedding rings or other bridal jewelry, you may be able to finance them via the LONG LIVE LOVE credit card 36-month special financing offer. Only your individual attorney or advisor can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Did you ever figure out what was going on with your credit? Depending on how much credit you want with the company, you may not need to have an excellent. Get your FREE Credit Assessment online with Lexington Law. 2% Cash Back at U.S. gas stations and at select U.S. department stores. There are several no interest promotions, such as the 12 and 36 month offers. Earn 20% back on Amazon.com purchases on the Card in the first 6 months of Card membership, up to $150 back. You then have 12 months to pay off the balance without accruing much, if any, interest. Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%. Member Alerts: There are no Member Alerts at this time. Do your research before applying for a credit card to ensure that the terms and fees fit your lifestyle and meet your needs. 36 Months Special Financing 2: $3,000 minimum bridal purchase made in store. Plus, earn $100 back after you spend $2,000 in purchases on your new Card within the first 6 months of card membership. This is a store or retail card, not a traditional credit card. You can only use this card at Kay, and you must use it every twelve months to keep it active or it will be closed. may be even greater.Approval Time:The Kay Jewelers credit card offers pre-qualification, which is not a final credit decision. However, this relationship does not result in any preferential editorial treatment. Interest will be charged to your Account from the purchase date if the purchase balance is not paid in full within the promotional period. All applications are subject to credit approval. You can apply and get prequalified for a Kay Jewelers credit card online or in-store. Information on this website may not be current. Here’s what else you need to know. View Agreements Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s). If you don’t shop there often or aren’t able to take advantage of the special financing offers, the card may not be worth it. If you don’t shop there often or aren’t able to take advantage of the special financing offers, the card may not be worth it. One is issued by Commenity Bank, and the other, the Sterling Jewelers card is serviced by Genesis FS Card Services. Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. You can use it only at Kay Jewelers locations or online at Kay.com. Kay Jewelers ® Credit Card is an urgent need [in: credit-cards] I would be scared to death to have a jewelry store credit card. No reader, user, or browser of this site should act or not act on the basis of information on this site. If the Kay Jewelers card isn’t right for you but you want similar financing offers for an upcoming purchase, consider this card on Credit.com. These are great, as long as you can pay the balance before the promotional period ends, and you are charged high rates of interest. You will receive cash back in the form of statement credits. So, if you purchased wedding and engagement rings for a total of $5,000, you would need to pay at least $139 each month to pay the balance off within the promotional financing period. At publishing time, the cards mentioned above may be offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for these cards. As of late 2019, the jewelry store offers the LONG LIVE LOVE card, which makes it possible for buyers with appropriate credit to finance large jewelry purchases. Here’s an example of how this offer might play out practically. Acceptance of this card is normally bound to the merchandiser or select partners.Our Editor's Commentary:The Kay Jewelers Credit Card is a retail card that offers financing, and lets you carry a balance to pay over time. There are 2 versions of the card. ... Credit Card Payments & Questions To pay or manage your card account, choose your card to begin. Box 3680, Akron, OH 44309-3680 or by calling us at 1-800-877-3616. For starters, a good credit score generally helps you get approved for a lower interest rate. The Union by Kay Jewelers > Share the love & get inspired! Readers of this website should contact their attorney, accountant or credit counselor to obtain advice with respect to their particular situation. In addition to using your Kay Jewelers credit card as a retail card to make purchases and pay them off over time, individuals with qualifying credit can take advantage of special financing offers on certain types of purchases. The company currently offers two special financing plans. As with any offer, there are pros, cons and alternatives you might want to consider before applying for this retail card. If you are approved, you can register your account for online account benefits such as 24/7 account access, free online bill pay, and viewing account statements.Community Opinion:Based on community reviews, we found that
If you have the credit to back up a successful application and you want more purchasing power than a single retail store credit card, visit the Credit.com credit card marketplace to find a card option that works for you. This card has a potentially high variable interest rate outside of the special financial offer. * See the online bank credit card application for details about terms and conditions of offers. Consider a secured or traditional line of credit from Visa and Mastercard.Approval Rate:There were 66 people that reported their status to us after they applied. If you love shopping at Kay Jewelers, this retail card could be a good fit for you. Then if you needed to consolidate it would be easier. The card lets you carry a balance up to a preset limit for purchases made at the jeweler. Cardmember Exclusives. The Kay credit card can only be used at Kay Jewelers, so if you are interested in a card that can be used for everyday purchases, this is not the card for you. The Kay Jewelers credit card isn’t for everyone. The card has a lackluster history of careful accounting—reviewers repeatedly note that the bank overcharges or double charges finance fees and that it’s difficult to get these situations resolved. The jewelry store with the tag line “Every kiss begins with Kay” makes getting—and giving—those kisses a little easier for qualified buyers via the Kay Jewelers credit card. Comenity Bank and Kay don’t actually publish rates, so make sure you review your offer carefully before you accept. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly. When you click on the "Apply Now" or "Learn More" button, Finance Globe is connecting you to the offer or 3rd party website. Eligible LONG LIVE LOVE cardholders can make a purchase of $500 or more via this plan. However, you must also pay 20% down at the time of purchase—a payment that must come from a source other than your Kay Jewelers card. Everyday Financing made easy with the KAY Jewelers Credit Card. Compensation is not a factor in the substantive evaluation of any product. For Comenity Bank Cardholders 855-506-2499 (TDD/TTY 1-800-695-1788) Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee. Furthermore, if your FICO score is close to or higher than 604, then your chance of approval
They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 〉 Find a Credit Card That’s Right for You: Compare Credit Cards Now. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Comments on articles and responses to those comments are not provided or commissioned by a bank advertiser. If you want to purchase $1,000 in jewelry as a gift for Christmas, you would need to pay $200 in cash or via another credit card. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. A happy birthday offer to you! Using your outdated browser will prevent you from accessing many features on our website. You could then finance the $800 balance on the Kay Jewelers credit card for up to 12 months. This website may contain links to other third-party websites. Always seek personal legal, financial or credit advice for your relevant jurisdiction. Also, your Kay Jewelers credit card application, like any credit card application, can generate a hard inquiry, which can ding your score—so you don’t want to apply if you won’t qualify. Cardholder's Anniversary: Celebrate with a special offer, just for you. They'll show you your score AND what's actually hurting it, totally FREE. Please note that our comments are moderated, so it may take a little time before you see them on the page. Our website has detected that you are using an outdated browser. Such links are only for the convenience of the reader, user or browser; we do not recommend or endorse the contents of any third-party sites. 86% of those applicants were approved.This card has a very poor approval or acceptance rate. Kay Jewelers ® Credit Card is an urgent need [in: credit-cards], Re: Kay Jewelers ® Credit Card is an urgent need [in: credit-cards], 12 Months Special Financing: $500 minimum purchase and 20% down payment required. Kay calls its card the LONG LIVE LOVE credit card. Everyday Financing Made Easy with the Kay Jewelers Credit Card. Credit.com receives compensation for the financial products and services advertised on this site if our users apply for and sign up for any of them. Kay knows that some jewelry purchases call for pulling out all the stops, which is why it offers a unique financing option for in-store bridal purchases. Finding the right credit card for you is important, and we’re here to help! Despite the name, the Kay Jewelers credit card isn’t really a credit card: it’s actually a retail card. Down payment cannot be placed on the Credit Card. That way you get the best card for your needs. ; Benefits that Sparkle with the KAY Jewelers Credit Card. The LONG LIVE LOVE card is currently offered via Comenity Bank or other lenders as applicable. The Kay Jewelers credit card isn’t for everyone. Buy Now, Pay Later > Check out our flexible payment options. Basically, it’s a way to get your bling now and pay for it later. Get ExtraCredit free for one month and see for yourself the difference total credit coverage makes. There is a minimum monthly payment required, but the exact details of the offer, including interest rates, depend on your personal credit history. The Kay Jewelers Credit Card allows you to take advantage of various credit options while enjoying exclusive cardholder benefits. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, contributors, contributing firms, or their respective employers. Down payment cannot be placed on the Kay Jewelers Credit Card. Treat yourself to something wonderful during your birthday month. It is not a bank advertiser's responsibility to ensure all posts and/or questions are answered. The LIVE LONG LOVE card offers special birthday and anniversary benefits as well as periodic sweepstakes for qualifying cardholders. Find more. 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). Check back here for Security Notices and other important information. Kay changes the financing offers associated with its credit card from time to time to reflect the market and consumer buying trends. This content is not provided by the card issuer(s). Customers that qualify for this program don’t have to make any down payment and get up to 36 months to pay off the balance. Apply On-line, It's fast and easy to compare card offers by the criteria you require. This could be due to the fact that applicants changed their decision after wanting a traditional credit card such as a Visa, Mastercard, Discover Card or American Express card. Promotional Credit Plan Details:Deferred Interest, Equal Payment plan: No interest if paid in full within 12 months on purchases of $500 or more with your KAY Jewelers Credit Card. 93% of 41 users recommend this card.Is this the card you want? Thanks for your patience. Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits. You can check your free credit scores on Credit.com to see where you stand before you apply. Responses have not been reviewed, approved or otherwise endorsed by a bank advertiser. It offers several benefits for frequent shoppers. While this may be a good way to build credit, the high interest rate is not worth to keep a balance on your card unless a promotion applies to these charges. Why wouldn't you just use a visa or master card? The retailer doesn’t actually back its own credit card, though. The Kay Jewelers Credit Card is a retail card that offers financing, and lets you carry a balance to pay over time. While you might not need outstanding credit to qualify for this card, it’s important to consider where your credit score stands before applying for a new credit card. While this may be a good way to build credit, the high interest rate is not worth to keep a balance on your card unless a promotion applies to these charges. I feel like if you have to consolidate your credit cards, you probably don't need a jewelry store card anyway. This card has a potentially high variable interest rate outside of the special financial offer. If you qualified for no interest, that would equate to around $67 per month in payments. $ 150 back otherwise endorsed by a bank advertiser 's responsibility to ensure that terms. 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