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pinoyscorpion951
Posts: 61
Registered: ‎09-03-2012
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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.
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afbar1114
Posts: 2,179
Registered: ‎01-09-2012
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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
Elcid89
Posts: 567
Registered: ‎10-04-2012
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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
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afbar1114
Posts: 2,179
Registered: ‎01-09-2012
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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
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
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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 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
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Valued Contributor
afbar1114
Posts: 2,179
Registered: ‎01-09-2012
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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
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pinoyscorpion951
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
afbar1114
Posts: 2,179
Registered: ‎01-09-2012
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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
pinoyscorpion951
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
BearsAndTurtlesRtheBest
Posts: 3,700
Registered: ‎10-02-2012
0

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

[ Edited ]

This is exicting!! DON'T DO it! 


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