04-16-2009 09:20 PM
04-17-2009 06:26 AM - edited 04-17-2009 06:28 AM
I just got a Kohl's card mid-March. I'm not 100% sure what my completely current scores were, but the latest info I have is in my siggy (and nothing had really changed between then and my app). I apped for it while going on a planned shopping spree and it saved me about $40... then they emailed me a $5 off coupon, and a 20% off coupon, etc etc. In the month I've had it, I've saved probably a good $50+ which to me is definitely worth it. My only complaint was the small $700 limit. But I'm sure the card will grow with my needs over time, so I'm happy!
ETA: I apped in-store.
04-25-2009 07:57 AM
04-25-2009 08:11 AM
I apped in-store to get the 10% discount on that $300 purchase and their continuous specials only-for-cardholders.
My score was low 700s at the time and they gave me a $1500 limit. I can't imagine ever needing that limit since their interest rate is so high that you would have to be brain dead to ever not PIF.
The big reason to get the card is the regular 10,15,30% off all purchases for a few days and the regular $5-$10 gift cards.
04-25-2009 09:26 AM
I have the card and I love the deals they send. I understand some folks think the card is high interest but I usuall pay it off on a 3 month cycle. Right now I think the limit is around $5000 and I spend about $1500-$2000 when I go there.
The interest on the account at 2% a month for 3 months is still cheaper then buying with another card because I get 30% off stackable coupons after I carry a balance. If you PIF they send you 10% off.
04-25-2009 05:18 PM
Just wondering if anybody on here has a Kohls card. What do you think? Score at the time of getting the card?
Any info would be great!
When I first received my card my score was around 620ish, I started with a $300 limit with them, I never asked for a CLI, the auto CLI me. I went from 400 to 1000 to 1500 and now they just upped me to 2000 last week. I use my card and make my payments on time. They like you to use your card adn will CLI every 4 months if your using it. At least that is what they do for me. I love Kohls!!!! High interest, but great deals nd gernerous Auto CLI.
04-26-2009 06:44 AM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† 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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.