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I'm at Kohl's, should I apply?

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pinoyscorpion951
New Contributor

I'm at Kohl's, should I apply?

This week, I had 3 inquiries drop off from Experian. I only have 3 now. It appears now that the Kohls credit card is now backed by capital 1 and the anecdotal reports are that it is easy to get now. They pull Experian and my score is 660 one year post bk7. I'm shopping for some items for the home and have 20 dollars in Kohls cash that I can stack on top of 30 percent at the register. I'm soo nervous, I've been declined 4 times before when their portfolio was handled by Chase. What do you all think? Is it worth the discount and possible rejection in front of a lot of other customers? It's a busy shopping night tonight. My wife is buying a boatload of stuff. The 30 percent would sure come in handy.
Message 1 of 44
43 REPLIES 43
afbar1114
Valued Contributor

Re: I'm at Kohl's, should I apply?

i got approved for $300 a year or so ago.  try it and they will still give u the %%% off 

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 2 of 44
Elcid89
Contributor

Re: I'm at Kohl's, should I apply?


@pinoyscorpion951 wrote:
This week, I had 3 inquiries drop off from Experian. I only have 3 now. It appears now that the Kohls credit card is now backed by capital 1 and the anecdotal reports are that it is easy to get now. They pull Experian and my score is 660 one year post bk7. I'm shopping for some items for the home and have 20 dollars in Kohls cash that I can stack on top of 30 percent at the register. I'm soo nervous, I've been declined 4 times before when their portfolio was handled by Chase. What do you all think? Is it worth the discount and possible rejection in front of a lot of other customers? It's a busy shopping night tonight. My wife is buying a boatload of stuff. The 30 percent would sure come in handy.

With a 660 and 1 year post BK, my gut would be that they will decline you, even for a store card, but YMMV. All you can do is apply.

 

FICO 04 scores: 809 (EQ) 812 (EX) 818 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $58k - BMW Ultimate $40k
Chase Sapphire Preferred $62k - Merrill Lynch + Signature $41k - USAA Rate Advantage $28k
NFCU Flagship Signature $50k - USAA Cash Rewards AMEX $28k
Citi Platinum Select / AAdvantage Signature $31k - Chase Amtrak Rewards World MC $41k

Message 3 of 44
afbar1114
Valued Contributor

Re: I'm at Kohl's, should I apply?

they are runned by cap1 now but they havent been able to do a CLI in like 8months because of a system update. 

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 4 of 44
creditnocash
Valued Contributor

Re: I'm at Kohl's, should I apply?


@pinoyscorpion951 wrote:
This week, I had 3 inquiries drop off from Experian. I only have 3 now. It appears now that the Kohls credit card is now backed by capital 1 and the anecdotal reports are that it is easy to get now. They pull Experian and my score is 660 one year post bk7. I'm shopping for some items for the home and have 20 dollars in Kohls cash that I can stack on top of 30 percent at the register. I'm soo nervous, I've been declined 4 times before when their portfolio was handled by Chase. What do you all think? Is it worth the discount and possible rejection in front of a lot of other customers? It's a busy shopping night tonight. My wife is buying a boatload of stuff. The 30 percent would sure come in handy.

just letting you know at the time you wont be getting any cli for a while (ive been trying since june-had the card since last jan)

 

they are upgrading their system but do not have any dates on when it will be back up. 

 

depends if you will use the card alot. 

 

ive probably bought 3 things in that store since i got the card and used once to get discount on a keurig and put it on my amex. 



Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23

Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE
Over 12 Months:0


2023 Goals:
Buy A Home
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000

Message 5 of 44
afbar1114
Valued Contributor

Re: I'm at Kohl's, should I apply?

ill spend around $1k a year at least there i get alot of stuff for work and clothes for my self 

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 6 of 44
pinoyscorpion951
New Contributor

Re: I'm at Kohl's, should I apply?

Yup, my wife and I spent about 3000 for items here in the last 2 years. At that clip we would qualify for mvc status and get even more perks. We just got in line right now with about 400 bucks worth of stuff. Wife just got paid yesterday. Looks like I'll be applying. I also have a bunch of new GE accounts that I just opened. 3 to be exact. Keeping my fingers crossed,
Message 7 of 44
afbar1114
Valued Contributor

good luck keep us updated hope you can still use the 30%...

good luck keep us updated hope you can still use the 30% off if u dont get it

 

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 8 of 44
pinoyscorpion951
New Contributor

Re: I'm at Kohl's, should I apply?

Wow! Cashier told the lady in front of the line she got declined. Said it rather loud too. This might not end up like I thought. Also, I have about 3 people behind me now. Crap!
Message 9 of 44
BearsAndTurtlesRtheBest
Senior Contributor

Re: I'm at Kohl's, should I apply?

This is exicting!! DON'T DO it! 

Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
Chapter 7 BK Dischagred on 07/11/16. Gardening Since 01/17/2019
Message 10 of 44
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