Reply
New Contributor
Posts: 61
Registered: ‎09-03-2012
0

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.
Valued Contributor
Posts: 2,179
Registered: ‎01-09-2012
0

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

[ Edited ]

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


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Contributor
Posts: 567
Registered: ‎10-04-2012
0

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

Valued Contributor
Posts: 2,179
Registered: ‎01-09-2012
0

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. 


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Valued Contributor
Posts: 2,280
Registered: ‎07-23-2012
0

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: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$6,400
Citi DC $10,000
Citizens Mastercard$7,000
Valued Contributor
Posts: 2,179
Registered: ‎01-09-2012
0

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 


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
New Contributor
Posts: 61
Registered: ‎09-03-2012
0

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,
Valued Contributor
Posts: 2,179
Registered: ‎01-09-2012
0

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

 


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
New Contributor
Posts: 61
Registered: ‎09-03-2012
0

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!
Senior Contributor
Posts: 3,914
Registered: ‎10-02-2012
0

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

[ Edited ]

This is exicting!! DON'T DO it! 

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.