How do I apply for the Kay Jewelers Credit Card? This question is about the Kay Credit Card

The easiest way you can apply for the Kay Credit Card is online. Alternatively, you can apply for this card at any Kay Jewelers location. You cannot apply for the Kay Credit Card over the phone. Keep in mind that you need at least fair credit to get approved for the Kay Credit Card. You can check your credit score for free on WalletHub to see where you stand. How to Apply for the Kay Credit Card Online Visit the Kay Credit Card webpage and click on “Apply Now.” Enter your name and address and click the “Continue” button. Enter your date of birth, income, and contact information. Review the Kay Credit Card’s Terms & Conditions and hit “Submit Application.” Some applicants receive a decision in seconds. If you’re not immediately approved or denied, allow 7-10 business days for the issuer to review your application. You can also check your Kay Credit Card application status at any time, by calling customer service at (855) 506-2499.

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How do I apply for the Kay Jewelers Credit Card?

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This question is about the Kay Credit Card

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Maria Adams, Credit Cards Moderator

@m_adams • 08/25/22 This answer was first published on 08/25/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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The easiest way you can apply for the Kay Credit Card is online. Alternatively, you can apply for this card at any Kay Jewelers location. You cannot apply for the Kay Credit Card over the phone.

Keep in mind that you need at least fair credit to get approved for the Kay Credit Card. You can check your credit score for free on WalletHub to see where you stand.

How to Apply for the Kay Credit Card Online

Visit the Kay Credit Card webpage and click on “Apply Now.”
Enter your name and address and click the “Continue” button.
Enter your date of birth, income, and contact information.
Review the Kay Credit Card’s Terms & Conditions and hit “Submit Application.”

Some applicants receive a decision in seconds. If you’re not immediately approved or denied, allow 7-10 business days for the issuer to review your application. You can also check your Kay Credit Card application status at any time, by calling customer service at (855) 506-2499.

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What credit score do you need for the Kay Credit Card?

You need a 640+ credit score for the Kay Credit Card. That means people with fair credit or better have a shot at getting approved for this card.

You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Kay Credit Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.… read full answer

If you excel in other areas, you might be able to get approved with a slightly lower credit score in some cases. But it's best to wait to apply until you meet the Kay Credit Card credit score requirement. You can check your credit score for free on WalletHub.

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Does the Kay Credit Card do a hard pull?

Yes, the Kay Credit Card does a hard pull on your credit report when you apply for the card. Keep in mind that a hard pull usually results in a slight decrease in an applicant's credit score, even though it’s only for a short period of time.

What to Know Before Applying For the Kay Credit Card… read full answer

The Kay Credit Card requires at least fair credit for approval. Unfortunately, there is no way to check for pre-approval.

Since pre-approval is not an option, you can sign up for a WalletHub account and check your credit score for free to see if your score is a good match with the Kay Credit Card.

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