Kay Jewelers Credit Card

Kay Jewelers Credit Card Review

Kay Jewelers is a subsidiary of one of the biggest diamond retail companies in the United States of America and all over the world. It is a subsidiary of Signet Jewelers Ltd. Having previously held the names of Ratner Group and Signet Group plc. The domicile of Signet Jewelers is in Bermuda while the HQ of the company is in the state of Ohio. However, apart from the United States, the company has presence in a number of major developed countries in the world such as Canada and UK. It is also listed on the major stock exchanges in the World such as New York Stock Exchange and London Stock Exchange. It owns a number of subsidiary companies offering jewelry retail services in the United States of America.

What are the Produced offered by Kay Jewelers?

Kay Jewelers Credit Card

Kay Jewelers Credit Card

Kay Jewelers retail stores provide a wide range of jewelry items such as Engagement rings, rings on other occasions, necklaces, bracelets, earrings, charms, watches and gifts. There are a wide range of verities in all the product categories, which cater to the needs, and demands of the public at large. People can visit the stores of the company and get the services that they want. On the official website of the store, there is an option of locating a store nearby. You can use this portal and enjoy the shopping experience in any part of the country.

Online Presence and the Online Delivery Services offered by Kay Jewelers Retail Stores

You can also choose to have the products delivered to your doorstep if you do not feel like going to the store. Kay Jewelers have a healthy presence on the internet as the website of the store hosted at the address {https://www.kay.com/en/kaystore} provides a comprehensive list of all the categories and items available at the Kay Jewelers stores. The Kay Jewelers Jewelry Retail Stores are providing some of the highly praiseworthy online services to its clients.

With the innovation in the retail industry, rise of internet and owing to the unprecedented growth of the e-commerce, there is an ever-increasing demand for the retail stores of all kinds to sell their products and services over the internet. They need to provide delivery services to the users so that the users do not have to visit the stores just to buy a product. The Kay Jewelers’ stores or retail chains have healthy, well-managed and updated online presence. This makes it easy for the users to get an idea of the products available at the store. They can always make use of the opportunity of placing the online order and have the products delivered quickly at their doorsteps.

Placing Online Orders

The online way of placing an order is available at the website of the Kay Jewelers Retail Stores where the customers can place the order as per all their needs of the jewelry items. They can look up these items displayed on the site. They can make online payments through various different ways such as credit cards. On the use of the online purchase mechanism, special discounts are also available for the users such as discounts on the purchase or coupons on various products. These discounts are available on a daily basis, and hence if you buy more and more through online portal, you can get more and more discounts.

Custom Designing Services offered by Kay Jewelers

It is one of those stores in the country, which are providing custom designing services. It means that the products required by the people can be custom designed in order to provide the best fit. The store has a timeframe in which the products can be manufactured and either delivered to them or the users can pick these items from the stores. People mostly want to have a custom design of the rings as per their likings and the size of their fingers. This is one of the top services offered by the store.   

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How the ability to Make Credit Card Payments bring Convenience to the lives of public?

There is a cashless payments revolution sweeping the world now and people are today making payments through their mobiles and cards more than ever. The users today feel it hard and frustrating to make payments through cash as carrying huge amount of cash on you is difficult. Therefore, it is extremely important to be able to pay the amount that you need to pay for any product or service that you need just by the swipe of a card. The ability to pay through your either credit card, debit card or mobile card is one of the best thing for a user who likes to have more calm and convenience in his or her life. This is where the modern cashless payment methods boom come into play, which we are witnessing all over the world.

Since, today more and more people today want to make payments through their credit cards; the Kay Jewelers have also introduced their own credit card, which can be used by the people in order to make payments on their online site, stores and other purposes. Through the Credit Card, the users of the kay Jewelers stores can pay for their shopping and then make payments of the credit card at the end of the billing month or depending upon their plan. A number of benefits and discounts are available for the users when they choose to make payment to the kay jeweler’s stores through the kay credit card. We will discuss these in detail in the later sections of this article.

Important Facts and Information on Kay Jewelers and Signet Jewelers

We will offer a full review of the Kay Jewelers Credit Card later in this article but first all we will look into Kay Jewelers Company and the services offered by it in general:

  1. It is Subsidiary of the Signet Jewelers which is one of the oldest Jewelry retail Company in the United States of America and all over the world as it was founded in 1949 having a life of almost 69 years. The company has its domicile in the city of Hamilton, Bermuda while the HQ of the company is in the state of Ohio, USA.
  2. Ratner Group founded the jewelry retailer.
  3. It has been listed under Retail services in its business listing.
  4. It has product listing as Jewelry as most of the subsidiary stores of the company are in the business of providing all kinds of ornaments to the users.
  5. Kay Jewelers is a subsidiary type of jewelry retailer operating in the United States of America. It is a subsidiary of the Signet Jewelers. The parent company runs various other companies in different parts of the United States, Canada and UK. The other businesses of the company are Zale Corporation, Kay Jewelers, Jared, Ernest Jones, H.Samuels, Leslie Davies, and James Allen.
  6. The Signet Jewelers has its headquarter located in the State of Ohio in the United States of America while there are a number of stores of the company spread all over the country and other parts of the world. The jewelry retailer operates in more than 1500 different locations in the United States and all over the world as of 2017. It has been offering world best services to the people who are interested in buying jewelry items.
  7. The Retail chain company trades on New York and London Stock Exchanges under the trading symbol of ‘SIG’ while it is also a part of the S&P 400.
  8. Signet Jewelers is one of the major revenue generating company in the United States as the revenue of the company in the year 2015 was $6.55 Billion while the net income was $467.9 Million. The total assets owned by the company are worth $6.464 Billion.
  9. The companies under Signet Jewelers also maintain a healthy online presence, which serves online shopping needs of the clients of the company. The Online Website of the company is {www.marriott.com}
  10. Signet Jewelers is one of the biggest employers in the world with 29, 057 employees currently working for the jewelry retailer at its different locations all over the world.
  11. The company also has one of the biggest customer bases all over the world. There are hundreds and thousands of customers’ in the world getting benefits of the services offered by the Kay Jewelers.
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Kay Jewelers Credit Card

The Kay Jewelers Credit Card provides the regular clients of the jeweler stores to make cashless payments. The Comenity Bank powers the credit card, which is one of the world leading transaction-processing banks in the world. Below we will look into details of the company, which powers the credit cards of Kay Jewelers:

What are the benefits offered by the Kay Jewelers Credit Card?

The credit cards of Kay Jewelers are usually master cards, which have wide range of accessibility all over the world. A huge number of retail and commerce companies, shopping malls and food chains accept the credit cards for making payments. Almost all credit card providers provide special benefits to the users of their credit card; however, the credit cards offered by Kay Jewelers are best suited for the members of the Union. There are a number of benefits, which are available to the users of the credit card when they try to purchase products and make payment through the Kay Jewelers Credit card. Some of the benefits, which are offered to the users of the Kay Jewelers card, are listed as below:

  1. Special Financing: In order to get the Jewelry retailer Interest free financing, you need to have the credit card of the Jewelry retailer Once you get the credit card, you need to select the product that you want to purchase from the store and when you have to check out through the credit card, select the special financing option. All order above $500 is eligible for the special financing option. However, there are certain rules about the time of the financing allowed for orders of certain value. Some of the basic rules are as follows:

 

  • All orders above the value of $500 are eligible for 12 months special financing, which means that the users can pay all such orders by paying the amount over the course of 12 months, without having to pay any interest. 20% down payment needs to be paid by the users in this case.
  • All orders above the value of $3000 are eligible for 36 months special financing, which means that the users can pay all such orders by paying the amount over the course of 36 months, without having to pay any interest. No down payments needs to be paid by the users in this case.

 

  1. No Annual Fee: Most of the Credit Cards in the world require some annual fee to be paid for using the credit card. The annual fee has to be paid no matter if you use the card or not. The annual fee run in several dollars, which is usually a huge amount for a common user. However, in case of Kay Jewelers credit cards, no annual fee needs to be paid which saves quite a few dollars for the users. No annual fee or any other additional charges if the dues of the credit card are paid well in time.

 

  1. Low APR: The APR, which is charged by the Kay Jewelers Credit Card, is low as compared to a number of other cards available in the market. The APR is usually in the range of 17 – 27% depending upon the items that you are purchasing from the store. The APR percentage is variable and ranges from product to product. This is an incredible service, which is offered by the Kay Jewelers credit card, which is not offered by most of the credit cards available in different parts of the world. Most people want to purchase stuff but they are unable to pay the interest. In this case, the Kay Jewelers Credit Card’s low APR service is one of the best in the world as it highly enables the people to make purchases without having to pay high interests.
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  1. No Over-limit Fee: Most of the credit cards in the world charge some fee when the user crosses the limit for the month. When the users cross the spending limit, most of the credit cards charge a fee but this does not happen with the Kay Jewelers credit card. No fee will be charged for crossing the spending limit though the user has to pay the dues within the specified period. When the dues are paid within time, no charges have to be paid.

 

  1. Foreign Transaction Fee: One of the biggest problems, which are faced by the users of the credit card, is that when they go abroad and try to use the credit card for making payment, they have to pay hefty foreign transaction fees. This greatly hampers the ability of the users to use the card outside the country, as the fees involved are high. This greatly reduces the effectiveness and productivity of the credit cards as the prices of the things increase incredibly. However, with the Kay Jewelers credit card low foreign transaction fees have to be paid. No matter where you are in any part of the world, you can use the credit card to make a purchase at the stores without having to having to worry about high foreign transaction fees.

 

  1. Rebates and Discounts: Most of the credit cards in the world offer discounts and rebates after making partnership with other companies. In this way, the sale of the other companies increase while the users of the credit card get better deals. With the Kay Jewelers credit card, rebates and discounts can be obtained. These are in the form of cash backs. Up to 5% cash, backs can be obtained by purchasing stuff from the stores of Kay Jewelers.

 

  1. Customer Service: The customer services offered by Kay Jewelers is one of the best among the entire credit card services provider. The customer services are offered 24/7 and the users can ask Solutions to their issues at any time. The representatives help you greatly in solving your problems with the store or with credit card. You can always call the numbers of the company and get the help that you need.

 

  1. Credit Score Requirements: Some credit score requirements need to be fulfilled before applying for the card of the company. The credit score requirements are not too stiff and the details on the policy can be read on the site of the company. In case you are looking to get the credit card of the store, you should pre order and start getting the required score and documents for the purpose.

 

How can you get prequalified for the Credit Card of Kay Jewelers?

You can follow the steps below, in order to get prequalified for the Kay Jewelers Credit Card:

  1. Go to the site at the address { https://www.kay.com/en/kaystore/cms/credit-landing}
  2. Click on “Get Pre Qualified”
  3. Follow the simple steps and provide the information, which is required.
  4. When all done, submit the form.
  5. You will be informed after the process has been completed on your request.