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https://c.comenity.net/kay/
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https://ficoforums.myfico.com/t5/Credit-Cards/Is-it-true-Kay-Jeweler-s-doesn-t-report-30-day-lates/td-p/1519518
Jul 31, 2012 · Re: Is it true Kay Jeweler's doesn't report 30 day lates? I ask cause my DH may have gotten one! I believe so by one day He called them and the rep told him they only report after 60 days of late payments so if you are late 60 days, they will report 2 30 day lates.Estimated Reading Time: 3 mins
http://open-hearts-by-jane-seymour.kay.com/lwp/wcm/connect/Kay/Instant+Credit+Application/Credit+Terms+and+Conditions/
In addition, the first time you pay late, the fee will not exceed $25.00. If you pay late again during the next six billing cycles, the fee will not exceed $35.00. We will add any Late Payment Fee to your Account's regular balance. 12.
https://kay.myfinanceservice.com/Account/Login?ReturnUrl=%2FBillPay%2FPayment
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https://kay.myfinanceservice.com/FAQ
The payment cut off time for online payments is 5:00 p.m., Pacific Time. This means, if we receive your online payment prior to 5:00 p.m., Pacific Time, your payment will be credited to your account as of the calendar date it was received.
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