If you own a Kay Jewelers Credit Card then congratulations – you've managed to score yourself an exclusive credit card with no annual fee and no annual percentage rate! But how does it work? How do you get one of these cards? And more importantly, how can you benefit from owning a Kay Jewelers Credit Card?
First of all, let's quickly clarify what makes these credit cards different from other cards. All major issuers of cards, including American Express, Discover, MasterCard and Visa, offer cash back and merchant account fees. The major difference between these two types of fees is that one makes you pay the interest every month, while the other doesn't. The Kay Jewelers Credit Card from American Express, for example, is a cash advance/reward card, meaning you pay a higher interest rate on the cash advance balance even when you don't make all of your monthly payments on-time. It is also a hard credit inquiry card, so you never can skip paying it, period!
Now, how do you get prequalified for a Kay jewelers credit card online? Like almost anything these days, the best way is through the internet. You can visit the actual website of the issuer, fill out their online application form, and sometimes even get prequalified for the card before you even apply. However, most of the time you won't get prequalified (if ever), because most people are not approved unless they have a great credit score.
How do you find out if you're approved for a Kay Jewelers credit card? If you don't like to spend hours on the phone or in person filling out applications, you can always go to a website that does it for you. There are a lot of consumer credit card websites that will do all of the hard work for you, letting you know ahead of time if you're approved or not. In fact, some of them will even let you compare a bunch of different retail cards side-by-side, so you know what's best for your specific financial situation. This makes finding a Kay jeweler credit card application easy and quick.
What else can you use a credit card for? Most merchant websites will let you set up direct deposit, which is a bank-to-bank transfer of your account funds directly into your checking account, which is then available to you to use any way you choose. Also, most merchant websites will let you charge your customers' credit cards directly through your website, which can be a very convenient way to manage your business expenses. So if you want to apply for a Kay Jewelers credit card online, you'll find all of these benefits are available. You just need to look for the credit card that's right for your business and your personal spending habits.
A few other things to keep in mind when applying for a kay Jewelers credit card: Make sure the company doesn't charge an annual fee, because these types of merchant accounts usually come with an annual fee. Find a card with no annual fee and no expiration date, because after the introductory period, your payment and earning capabilities will change. Also, it's recommended that you check your credit score for free no credit card required credit card features before applying. If you have bad credit, you may find it difficult to get approval, but there are many no credit card required options out there that are available to people just like you.