What kind of credit score do you need for Kay Jewelers?

Based on the FICO score recommendation, applicants should have a recently clean credit record, with no recent negative marks on their report. However the card issuer may expect limited discrepancies. A FICO credit score of 604 is recommended for a higher chance of approval, but this is not required.

Does Kay Jewelers have payment plans?

Most major jewelers offer financing plans, some of which feature 0% interest for a limited period of time. Kay Jewelers offers 12 months interest-free. Blue Nile offers no-interest financing for six and 12 months, or equal payments for 24, 36 or 48 months at 9.9% (the time period depends on the amount financed).

What jewelry store is easiest to get credit with?

The List of Jewelry Store Credit Cards

  • Blue Nile. Minimum monthly payment: $27.
  • Crown Jewelers (Has the Easiest to Get Credit Card) Minimum monthly payment: 5% of the outstanding balance or $25, whichever is greater.
  • Helzberg Diamonds.
  • Jared The Galleria of Jewelry.
  • The Jewelry Exchange.
  • Kay Jewelers.
  • Tiffany & Co.
  • Zales.

What bank does Kay Jewelers use?


Does Kay Jewelers approve bad credit?

Getting a Kay Jewelers Credit Card

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. For starters, a good credit score generally helps you get approved for a lower interest rate.

What credit score is needed for a Zales credit card?

The easiest jewelry credit card to get is pretty much any jewelry credit card, including those from Helzberg Diamonds, Iddeal Jewelry, and Zales. You have about the same chance of getting all of them because they all are store cards that require fair credit (640+) for approval.