Credit Record Needed:
A FICO credit score of 604 is recommended for a higher chance of approval, but this is not required.
There are a number of other factors that this issuer may also consider when making decisions for approval.
What jewelry store is easiest to get credit with?
The List of Jewelry Store Credit Cards
- Blue Nile. Minimum monthly payment: $27.
- Crown Jewelers (Has the Easiest to Get Credit Card) Minimum monthly payment: 5% of the outstanding balance or $25, whichever is greater.
- Helzberg Diamonds.
- Jared The Galleria of Jewelry.
- The Jewelry Exchange.
- Kay Jewelers.
- Tiffany & Co.
Is it hard to get approved for Kay Jewelers card?
Getting a Kay Jewelers Credit Card
For starters, a good credit score generally helps you get approved for a lower interest rate. Also, your Kay Jewelers credit card application, like any credit card application, can generate a hard inquiry, which can ding your score—so you don’t want to apply if you won’t qualify.
What credit score is needed for a jewelry store?
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 does Kay Jewelers credit work?
It offers customers two financing plans: The 12 month plan offers no interest on purchases paid in full within that time period. This plan requires a $500 minimum purchase and a 20% down payment. The regular card credit offers interest rates between 17% and 24.99% depending on creditworthiness.