for all of you who do not know and complain....shame on you for not reding or looking up the card and what it does, you cannot blame the sales people for the fact that you yourself did not do your due diligence in finding out exsactly what you signed up for..... the card is excellent and if you put down 20% downpayment within the 30 days of your purchase of 500 or more you will get it for 12 months interest free! on just that purchase if you buy something for 100 later in a month it does not combine itself with the interest free deal! its an amazing way to raise your credit especially if you have a low score....KAYs owns their own financing and do not share your information with anyone! i personally love this card and love KAY JEWELERS!!!! my credit jumped up and now I have almost excellent credit! its in 700s!!!! good luck to you guys and those who don't read i don't know if luck will ever help you! cheers
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Most Helpful Negative Review
I was making a purchase at Kay. I was given 2 payment options: either pay all upfront or do a payment plan. I asked if the payment plan would require a credit inquiry - they said no, but now I've discovered they lied. I had the money available to purchase the entire thing upfront and I would have done so had I been fully told. Nothing bad has happened so far, but the fact that they were so shady about it makes me nervous about my account going forward. I only discovered that this was affecting my credit because I regularly check Credit Karma. Otherwise I never would've even known about this account!
Now I'm stuck because I shouldn't close the account because it'll affect my credit, but I don't trust Kay to not screw up my account again!
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