Sterling Jewelers, INC Credit Card Reviews
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Title: Unsure??
Date Reviewed: 2010-06-26 15:43:54 | Recommended?: Yes
Review: I applied online yesterday and I don't see a pull from any of the 3 CB's. Not sure why?? The message I got was that I would get a notice within 20 business days. I really want to get approved as I am trying to re-build and the higher limit would be helpful. Anyone have any advice.
Title: Approved For $6500
Date Reviewed: 2010-07-10 17:08:00 | Recommended?: Yes
Review: I applied earlier today online only to get "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." I end up going to the store and the salesperson said he could get an answer in less then 5 minutes. To my surprise I received an approval with a $6500 limit. I've been re-building my credit since January of this year. My current FICO is 663, up 100 points from last year. I want to say thanks to this forum for the knowledge to get me back on track.
Title: Instant Approval!
Date Reviewed: 2010-07-13 16:22:35 | Recommended?: Yes
Review: I apped online, and was instantly approved for $1500. Not a big jewelry girl, but figure I can use it to help my utilization...
Not sure who they apped but my cuurent score watch scores are EQ 633 and TU 660... I apped for Jared in January and was denied.
Title: Approve
Date Reviewed: 2010-09-11 20:33:59 | Recommended?: Yes
Review: My huband and I had seperate account totaling $2300.00 back in 04/2008 went to kays today and did a joint account and was approve for $7600.00 09/11/2010 donot know score since we applied for 4 credit card
Title: Approved
Date Reviewed: 2010-09-12 02:51:54 | Recommended?: Yes
Review: Applied for this card online and was instantly approved for $800. I haven't used this one yet but I plan on using it just to build my credit score and keep it open!
Title: Approved Online For $5100
Date Reviewed: 2010-09-26 06:26:39 | Recommended?: Yes
Review: Wanted to help my credit to debt ratio and thought a jewelry card might help. After reading reviews of the Kay's card, I thought it might help, especially reading several people had gotten high credit limits. I went to the Kay's website and applied online and had a decision within a minute. Now I don't know if my cl is normal or because it is getting close to the holidays but they didn't let me down. This will almost double my overall credit limit. If you are looking to help your utilization, I say apply for it. BTW, I am not sure what my score is but on the 20th I applied for a car loan and TU was 652.
Title: Also Approved For $5100
Date Reviewed: 2010-10-10 05:22:53 | Recommended?: Yes
Review: I applied for this card the same day I applied for the Kay's card. Wasn't sure I would get it since both cards are issued by the same bank but went on ahead and applied. Well it wouldn't give me an instant decision online. It made me wait a couple of days but they finally sent me an email telling me I was approved for $5100. I was shocked and then thought they were sending me a duplicate card since I had gotten approved for the Kay card. Well when it came in the mail on Thursday I checked both cards and they have different account numbers. I am excited! I just lowered my utilization hopefully by about 75%.
Title: Also Approved
Date Reviewed: 2010-11-17 18:48:00 | Recommended?: Yes
Review: Was approved for this card with a $5100.00 limit. Fico684
Title: On The Ball
Date Reviewed: 2011-01-11 08:51:48 | Recommended?: Yes
Review: I got this card after 3 months post bk discharge. The initial cl was $2000. I really love this card because I love jewelry and so does my family and friends. I have been using and paying ontime. I got my statement right before Christmas and realized that after 1 year of paying ontime, they rewarded me with a cli of $800. I really love this card!(I am careful with my usage. I have been very responsible)
Title: Not Approved
Date Reviewed: 2011-05-04 15:28:59 | Recommended?: No
Review: Fico is 600 and did not get approved for this card. They pulled Equifax credit report.
Title: Approved - But
Date Reviewed: 2011-05-27 16:42:30 | Recommended?: Yes
Review: I have a jared account and so I applied to Kay on line after reading reviews here. They told me they denied me online.
I received a letter from them a week later stating I was denied because they needed to verify my social security and my address. I called the credit dept and they told me to go into the store with identification, and proceed from there.
I went in today, and the sales lady called them and they approved me.
Title: Cant Believe I Got Approved!
Date Reviewed: 2011-06-06 12:42:28 | Recommended?: Yes
Review: I tried to get one about 7 yrs ago and was not approved.I have been an authorized user on my sister's card since she opened it around Dec 2008.They removed her 20% down but have not given her a increase.I applied online and got approved for $500 cL with 20% down.im not sure was is my cL.What is a good site for me to get my REAL fico Score? My score always be higher from places that charge $14.99 a month..then when i try to get a car or something..it doesnt be the same..it be way lower??confused??
Title: Approved!
Date Reviewed: 2011-06-11 09:09:06 | Recommended?: Yes
Review: Filled out the application online and got an instant approval of a $2000 limit! Im very happy to get this card, I also got a Kay card but think its a shared limiit.
Title: Approved In Store And A Change In Credit Limit
Date Reviewed: 2011-06-25 09:48:25 | Recommended?: Yes
Review: I was in Jared the other day looking for a new watch. The sales person said 0% for 12 months with 20% down on purchases over 2k so I went for it. I was told my credit limit was 6k however when the card arrived in the mail and I registered my account I wound up with 10k CL.
I'm not so much into the store cards these days since they are limiting as to where you can use them and they have high APR's however I plan on paying this purchase off in 3 or 4 months so it will help my utilization.
EX 792
TU 890
EQ 790
Title: Approved
Date Reviewed: 2011-07-05 08:40:13 | Recommended?: Yes
Review: Got approved for 1800 cl...:) credit score was only 639 ex
Title: Instant Approval
Date Reviewed: 2011-09-16 20:25:10 | Recommended?: Yes
Review: Just applied and got an instant approval for $4,000
Scores at this time were TU 645 and EQ 635
I am so excited to get approved and very suprised amd happy with the credit limit!!
I will use this card for Christmas this year and get my wife something very nice.
Title: Instantly Approved
Date Reviewed: 2011-11-27 19:14:25 | Recommended?: Yes
Review: Already had a Jared Card with a 4K limit on it so I thought I would apply for a Kay and see what happens. I was instantly approved for the same line of credit as Jared 4K. My scores at the time I applied was TU 640 and EQ 632
Title: Approved
Date Reviewed: 2012-02-28 21:01:24 | Recommended?: Yes
Review: Decided on a whim to apply. SURPRISED @ $5,100 CL. EX is 716....the APR is 24.99% (not uncommon with store cards), no annual fee.
Title: Not Approved - Unable To Verify Employment!?!?
Date Reviewed: 2012-08-06 04:06:52 | Recommended?: No
Review: Score 594. Have been using this site and another to build my score from 541 6 months ago. Have opened several lines of credit during this time to build it.
Denied due to "Unable to Verify Employment". Not sure how this happened, but I have been gainfully employed for 2 years at the same company. I am thinking about trying again, maybe I type-o'ed? But I thought it would be a good way to increase my available limit, thus increasing my Score.
Title: Declined
Date Reviewed: 2012-08-15 17:06:43 | Recommended?: No
Review: If working on building credit do not apply unless u have more tha a year of good payment history on other open accounts. I have 3 cards i have had a year n no balance on them, but they said they need a longer pay history.
Title: Instantly Approved
Date Reviewed: 2012-08-23 14:55:18 | Recommended?: Yes
Review: I have had this card for nearly over a year. I made small purchase, then I traded in and upgraded my wedding rings (which I love and find of great quality), I started out with a credit line of $1200, and under the first year I was automatically increased to $2200. This is a great card, and a great company. Like anything the faster you pay it off, the less interest. And as you are paying or balance down if you have had a long good pay history, they will lower your monthly payment due if needed. I have done that a few times, and then always sent more as I could but kept my minimum low as a precautionary.
Title: Instant Approval 4k Limit
Date Reviewed: 2014-06-01 20:33:08 | Recommended?: Yes
Review: Instant Approval for $4,000 Credit Score roughly 650
Title: Rebuilding Credit
Date Reviewed: 2015-05-10 17:03:20 | Recommended?: Yes
Review: I was approved for $500 limit. Although I have to put first prove a 20% down payment it's worth it because it is helping me reestablish good credit
Title: Surprised
Date Reviewed: 2015-10-12 14:20:10 | Recommended?: Yes
Review: Filed BK-13 in 2007 and finally after going so many years struggling starting to see some changes. Was approved for $4000
Title: Approved!
Date Reviewed: 2015-10-16 18:39:41 | Recommended?: Yes
Review: Needed to get a ring repaired so went to this store, was asked to apply and got approved on the spot. Was shocked. $3000 limit, interest rate is horrible but will pay bill off.
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