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When you have to have it, we've got your back. Discover our variety of. Our kay credit cards allow for flexible financing options on any purchase. Choose your credit card provider. What is the credit limit and annual percentage rate (apr) for the kay jewelers credit card? How do you keep my data collected through the credit card application process safe? To pay a kay credit card bill online, log in to your online account and click on “payments. ” then, choose how much to pay, when to pay it, and where the payment is coming.