Yup I was late making a payment and they started with their harassing phone calls. Well the economy took a turn for the worst and I have had the Kay Jewelers card and been a good customer for years. So they wanna push with annoying calls and threatening legal action. Good luck. I was getting ready to send a payment off, but now that they pissed me off, they can just wait. Collections sounds good to me. Maybe let them take some legal action. They didn't wanna work with me, just wanted payment in full. They ask me to return the... read full review »