I was a cardholder with Kays for a couple years and overall have nothing to complain about regarding their store credit card. It was and still is one of my favorite credit card experiences. < br>< br> The interest isn't bad at all, the repayment plan is more than doable and I happen to know that they are pretty patient when it comes to being a couple days late with a payment. Both of which are very good things when you are trying to repay a bill, especially in the current economical times we are living in. < br>< br> The customer service team that works with you when you have questions or concerns with your Kays store credit card is phenomenal, and I don't say that often when it comes to customer service. They really are a great team of people that go above and beyond to make sure you are happy with your experience. < br>< br> I never had any real issues with them when I was a card member and if I hadn't of jumped at the opportunity to pay my balance off with them when I did, I would probably still be a active card carrying member. They really are some of the best. < br>< br> So yes,long story short- I would recommend this card to my friends or people I know. Its good if you're looking for a card to help build your credit, or if you are a big fan of jeqelry.