I recently got a Kay card to put a wedding band on, I had the cash to pay for the ring in hand but thought why not. Was approved for $1000 limit so out 700 on the card and paid 150 on it the first month. Little did I know the MAX amount of credit line available for the card was 400 so after 2 months and my credit dropping 100 points before I checked CK. I notified the company and sadly it was put in the system wrong but nothing could be done through the bearu for my credit score. Being in the recovery stage of the card I'm a little salty towards them and will likely never use this card again.