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DO NOT GET A KAY CREDIT CARD! I WAS LATE ONCE AS THE STORE I TRIED TO PAY AT SAID IT COULD NOT TAKE PAYMENTS AND I HAD NO WAY OF PAYING THROUGH ONLINE OR PHONE (I HAD CASH PAYMENT) NOW EVEN THOUGH I HAVE MADE SIX MONTHS OF PAYMENTS, THEY ARE STILL REPORTING THAT I WAS LATE AND HURTING MY CREDIT! PLUS SINCE I WAS LATE ALL THE INTEREST GOT ADDED ONTO MY PURCHASE EVEN THOIGJ I WAS NOT CLOSE TO THE 12Month deadline

I have contacted kay supervisors and they say it will report as negative forSEVEN years!

Location: Phoenix, Arizona

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Guest

How this is anyone's fault but yours is beyond me. I am not a lover of this store but have to say this is your fault.

They DO NOT have to take your payment at the store. It is your responsibility to make sure it is on time. You must have went it to pay after being late several days already otherwise this would not have affected your credit as there is a 15 day grace period before a late payment will show on your credit report anyway.

Loser..The fact you can only pay bills with cash shows how great your credit is anyway. I'm sure they are not the only one you owe money to.

Guest

So you are complaining that kay's is hurting your credit.... It was you who didn't make the payment on time.

Also any credit card that offers no interest for any amount of time will add all of the interest on if you are one second late. So I guess I am just unsure why you are complaining.

You signed the terms for the card and agreed to them. this is YOUR fault.

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