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http://open-hearts-by-jane-seymour.kay.com/lwp/wcm/connect/Kay/Instant+Credit+Application/Credit+Terms+and+Conditions/
Interest Rates and Interest Charges: Annual Percentage Rate (APR) for Purchases: 5% to 24.99%. This APR varies by state. See Paragraph 3 of the Retail Installment Credit Agreement for details. How to Avoid Paying Interest on Purchases: Your due date is at least 25 days after the close of each billing cycle.
https://www.kay.com/credit-landing
As of 07/21, terms for new Accounts: Purchase APR of 29.99%%. Minimum interest charge is $2.00 per Credit Plan in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms. Credit card offers are subject to credit approval.
https://www.credit.com/credit-cards/reviews/kay-jewelers/
By Constance Brinkley-Badgett · Nov 07, 2019 · 9 mins to read
https://ficoforums.myfico.com/t5/Credit-Cards/Kay-Jeweler-s-Interest-Rate/td-p/931870
I am really surprised that I didn't see this topic in the message boards or perhaps I missed it. I have an account with Kay Jeweler's and I just noticed two things: 1. They are not applying my payments to the balance with the higher interest rate, instead they are being applied to the lower interest rate.
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