Kay Jewelers is America’s eminent jewelry store. The store began in 1916. It is passionately providing attractive jewelry for all. The company is now part of Signet Jewelers. It has 1000+ stores in the US. Customers shall register for a general credit card to use it anywhere with rewards. Kay credit card is not limited to use only in stores. It is used to shop from their official website. Let’s read Can I use my Kay credit card anywhere?
Kay Jewelers credit card are not meant to use anywhere. These cards are solely applicable at Kay Jewelers stores. The card is not associated with any other major payment network.
Features Of The Kay Credit Card
The Kay credit card charges no annual fee. If used regularly, your account will be active. All credits will be on your expenditure and not on the Annual fee. Secondly, it has a low APR (Annual Percentage rate). It begins with 17%. It might not be the lowest in the market, but it is comparatively lower than the other stores.
The website offers a wide selection to choose from, with no disruptions. When kay jewelers provide a 0% APR financing deal, it is perfect to snap up the offer and make the maximum purchase that was in your shopping cart. Zero interest to pay if you are paying the entire balance within the period.
Kay jewelry does not provide a reward program. Receive special offers on birthdays or anniversaries of your account. It is exclusively for cardholders. You could also receive discounts, additional savings, and much more.
Dibs on special discounts on limited products. The company will provide first access to special offers & promotions only to cardholders. Disinfecting or inspections are of utmost importance for jewelry. Being a cardholder, obtain a jewelry examination with cleaning for free of cost.
How Does Kay Credit Work?
Comenity Bank issues the Kay credit cards. It is a retail card offered by the company to their loyal customers. The card is meant to make purchases now and then pay them later. The purchases made at a jeweler will let you carry the balance on a card for a certain limit. The firm calls it a Long Live Love credit card.
While using your Kay credit card, there will be no need to maintain an ideal credit score. Even with the average credit score, shoppers will still be the owner of the card. It does not affect the purchasing process even if you are rebuilding your credit score.
For beginners, it might be tedious to manage your credit card online. However, Kay Jewelers will guide and provide access to your account in the online mode. Shoppers can go through their balance, pay dues, and scrutinize their previous purchases with many other features. Never miss a deadline. Timely payments will boost and improve your credit score. Also, repay the complete balance each month to enhance your credit score.
How To Register For Kay Credit Card Online?
Follow these steps to register for Kay Credit Card Online:
- Visit their official website – Kay.com
- Tap on Get Prequalified Now
- Select the Get Qualified Now option.
- Sign in from your Kay account or Login from your Google/Facebook account.
- Further, on the credit card application provide your details. Name, address, social security number, phone number, and financial details.
- Read through the terms and conditions and lastly, tap on the submit application.
- Documents are required to aid your financial information.
- Check the application status at your convenience by signing in to the website.
The 12-Month Special Financing Offer
The Kay credit card offers special financing offers. In this offer, cardholders are eligible to make purchases for $500+ and pay 20% down during the purchase. The remaining amount shall procure from the jeweler’s card. Cardholders will have 12 months to pay off the remaining balance with interest. The interest rate will be based on credit history. A minimum monthly payment is required.
For instance, if you wish to purchase $800 in jewelry for your loved one. You may pay $200 via another credit card or cash. The balance of $600 will get financed on your credit card for 12 months. The cost for each month will differ in interest or without interest rates.
Conclusion
Kay Jewelers is one of the prominent American jewelry stores. Its cards cannot get used anywhere but solely at the Kay store. These cards get issued by Comenity bank. Cardholders get special offers, discounts, and many more benefits. You need valid financial documents during the registration of the credit card.
Frequently Asked Questions
- Can I receive a grace period on Kay Jewelers’ credit card?
Interests are not charged if the customers pay the balance on the due date. If failed to do so, the Grace period is not offered on your other purchases.
2. How to know about special offers without owning a Kays credit card?
Access to the special offers is still possible by signing up to their email. By subscribing to emails, you can receive the latest updates about discounts and offers. Text alerts are received on your mobile device.
3. How to maintain my Jewelry?
It is advisable to have inspections at the store every six months. Take precautions and get the problem solved than lose expensively.
