This is my experience with Kay: I bought my husband's wedding ring from Kay, mostly because their prices were cheaper than other companies.in the store, they pushed and pushed for me to open a credit card instead of just paying cash for the ring. I did open the card and made my first payment on a timely basis. But my next bill came when I was on my honeymoon, and so my customer status became "delinquent" as they call it, but only by like a week.
The minute I stepped through the door from my honeymoon, they were calling on my cell phone and harassing me for the payment. They wanted me to pay right at that moment, and when I explained that I had just walked through the door and didn't have my checkbook with me, they made tons of threats to the point that I was crying on the phone.
When I called customer service the next day to complain, the person I talked with said that this is the way Kay does business and that I pretty much deserved what I got because I was "delinquent." She said in a hateful tone: "what do you want me to do, call up the supervisor of the person who called you last night and have her repremanded for doing her job?" I couldn't believe they could act that way for only being one week late on my second of only three payments for his wedding ring, and then tell me that this is the way that they do business and because I am "delinquent" I deserved what I got! Yeah the "kiss that begins with Kay" is the kiss of death, apparently.
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