What Credit Score Do You Need For A Kay Jewelers Card?

Why are Zales diamonds so cheap?

Don’t be fooled into thinking that you are getting what you see because an I1-I2 diamond is going to look really nasty with lots of inclusions.

This is the real reason why Zales diamonds are so cheap..

What bank is Zales credit card?

Comenity Capital BankRedemption Details: Cannot be combined with other repair offers. Credit card offers are subject to credit approval. The Diamond Credit Card Accounts are issued by Comenity Capital Bank.

Which jeweler has the best financing?

Here are some jewelry stores that offer payment plans or finance for engagement rings, and what they offer:James Allen. Deferred interest if you pay in full within a 6-month promotional period (minimum $1,000 purchase). … Blue Nile. … Brian Gavin Diamonds. … Tiffany & Co.

How much should you spend on an engagement ring?

Rule of thumb: Spend 2 months of your income on an engagement ring. Therefore, if you are making $1000 per month, spend $2000 on an engagement ring. If you’re making $2500 per month, spend $5000.

What bank does Kay Jewelers use?

Comenity BankLong Story Short, Kay’s Jewelers (Comenity Bank) claimed they needed my address because they were receiving mail back as undelivered.

Can I use my Jared card at Kay?

Jared credit cards can only be used at Jared The Galleria Of Jewelry’s 274 stores, located in 41 states. … That’s because Genesis Financial Services recently bought $1.7 billion in nonprime credit accounts from Signet Jeweler, the parent company of Jared, Kay, and Zales. Even so, there’s just one Jared Credit Card.

Can I get a Zales credit card with bad credit?

Although store credit cards are often easier to obtain than open-loop cards, there is no evidence that the Zales Credit Card accepts bad-credit applicants. Instead, you’ll likely need at least fair credit or better to qualify.

Can you finance jewelry with bad credit?

Yes, you can! Plus, bad credit engagement ring financing typically covers other jewelry purchases as well. You should be aware that with any subprime or secondary financing, rates and terms might be less forgiving than a traditional bank loan, but some options are better than others.

Are Kay diamonds real?

Kay Jewelers operate primarily as a chain mall-based jewelry store. … When it comes to the actual quality of the diamonds and engagement rings sold by Kay Jewelers, they do not meet the mark of online jewelers, as well as many other brick and mortar jewelry stores.

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).

Does Zales offer payment plans?

When you purchase in-store, Zales Outlet offers 90-days same as cash. In stores and online, we offer various extended payment plans when you use your Zales Credit Card®. … Zales Outlet accepts all major credit cards and The Zales Credit Card®. You may also use PayPal to pay for purchases online.

What is the easiest jewelry credit card to get?

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.

How hard is it to get approved for a Zales credit card?

Zales Credit Card is a great Credit Card if you have fair credit (or above). Their APR is quite high (above 20%). If you’re looking to apply, we recommend at least a 630 credit score.