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Credit Card Applications » Questions » User Questions » Other » I’m thinking of buying an engagement ring for my fiancee at Kay Jewelers. Does it make sense for me ...

I’m thinking of buying an engagement ring for my fiancee at Kay Jewelers. Does it make sense for me to apply for a Kay Jewelers credit card before I make such a big purchase, or should I just use my regular credit card?

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Leo Zhu

First of all, congratulations! Second – that’s a great question. It’s tempting to want to apply for a Kay credit card when you’re about to make a purchase from their store. Before you do, though, think about what you’re really hoping to get from a new credit card. Will you be making many purchases at that store, after this one? If you don’t think you’ll have a reason to use that card very much after you pop the question, it might make sense to look at some other types of credit cards. Notice I didn’t say to just use the regular credit card you already have in your wallet. No, if you’re making a large purchase (people often spend two months’ salary, or more, on an engagement ring), it’s a good idea to find a great new credit card, perhaps one with 0% introductory rate so you won’t pay interest if you carry a balance.

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