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Well I had a Kohls card- long enough to get a Food Processor

Valued Contributor

Well I had a Kohls card- long enough to get a Food Processor

So last week before 1:00 AM Sunday I went online and Apped Kohls. They approved me $300. Fine. they had food processors on sale and I wanted one and I figured with all the mix and match discounts I could get a good price.

 

So by their direction I went to the store ID in hand and ended up not getting the $150.00 Cuisinart I wanted as I forced myself to realise really will not be using it that much -I opted for the food network one and buying a blender- total transaction $103.

 

Put it on the Kohls.

 

Received $20.00 in Kohls cash at the register (10.00 for every $50. spent) so figured I would go back and buy whatever and use them up. Received another $5.00 Kohls cash in the email as my acount was Online.

 

So Saturday I trudge to Kohls and buy some not real necessities for around the house just to use up the $25.00.

 

Try to charge the remaining $6.00 and it declines please call in.


So I put the 6.00 on the NFCU charge that just got CLI-ed and thought nothing of it, maybe there was a glitch.


had to return one of the items I bought today (wrong size) and while I was returning I figured I would call in and see what the probelm was:

 

"Yes new accounts is showing they closed your account Monday."


What?

 

"Yes they approved you but when they ran your score, they decided to close your account."

"OK. Will the existing money charged be a demand for PIF or will I be able to pay to account terms?"

 

"You can pay as account terms."

Very Well.

 

So I had an account with Kohls for under 36 hours?!?


I know I have a sucktacular score due to utilization, but funnily have no lates whatsoever on my account.


My Utilization is still above 75%- I have made great inroads since it was at 99% at one point before I got out of cars.

 

Still-- kinda funny.


So apparantly you can apply on a weekend, get approved, do some shopping then get declined.


But I got a food processor.

Message Edited by usmc58555 on 08-09-2009 10:49 AM
Signature line begins:
Credit is not a right, but a business transaction, one that takes into account risk, and charges accordingly based on that risk.
Your credit score is an aspect of your credit profile. Important? yes but just an aspect. Contributing/supplemental information determines the finer point of the deal. Ask any question, respect me not to get mad if the answer is not the affirmation you are looking for,
Message 1 of 6
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Senior Contributor

Re: Well I had a Kohls card- long enough to get a Food Processor

happy processing.....9 years from now this account will be really good for your AAoA.....for a year  Smiley Wink

 

 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Message 2 of 6
Valued Contributor

Re: Well I had a Kohls card- long enough to get a Food Processor

Thanks!!

 

gonna make a Pie Crust

Signature line begins:
Credit is not a right, but a business transaction, one that takes into account risk, and charges accordingly based on that risk.
Your credit score is an aspect of your credit profile. Important? yes but just an aspect. Contributing/supplemental information determines the finer point of the deal. Ask any question, respect me not to get mad if the answer is not the affirmation you are looking for,
Message 3 of 6
Valued Contributor

Re: Well I had a Kohls card- long enough to get a Food Processor


usmc58555 wrote:

Thanks!!

 

gonna make a Pie Crust


 

Just the crust? Smiley Wink

 

If you're planning to put something inside it, I heartily recommend making it a pecan pie.  Yum.

 

That, or apple - lots of cinnamon!  Smiley Tongue

_____________________________________________________________________________
It's never too late to become the person you might have been. ~George Eliot

02/12/09 EX: 701 / 02/08/10 EQ: 719 / 02/08/10 TU: 723

Backdoor Numbers, Credit Scoring 101, Understanding Your FICO Score PDF
Message 4 of 6
Valued Contributor

Re: Well I had a Kohls card- long enough to get a Food Processor


Scamp wrote:

usmc58555 wrote:

Thanks!!

 

gonna make a Pie Crust


 

Just the crust? Smiley Wink

 

If you're planning to put something inside it, I heartily recommend making it a pecan pie.  Yum.

 

That, or apple - lots of cinnamon!  Smiley Tongue


 

Actually my Southern Comfort Pecan Pie was on the list
Signature line begins:
Credit is not a right, but a business transaction, one that takes into account risk, and charges accordingly based on that risk.
Your credit score is an aspect of your credit profile. Important? yes but just an aspect. Contributing/supplemental information determines the finer point of the deal. Ask any question, respect me not to get mad if the answer is not the affirmation you are looking for,
Message 5 of 6
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Valued Contributor

Re: Well I had a Kohls card- long enough to get a Food Processor


usmc58555 wrote:

Scamp wrote:

usmc58555 wrote:

Thanks!!

 

gonna make a Pie Crust


 

Just the crust? Smiley Wink

 

If you're planning to put something inside it, I heartily recommend making it a pecan pie.  Yum.

 

That, or apple - lots of cinnamon!  Smiley Tongue


 

Actually my Southern Comfort Pecan Pie was on the list

Sounds fabulous.

 

More seriously about your Kohl's experience, I sympathize with the high util woes - been there myself.  If the CLD's ever reach my accounts, I may be there again for a while, as I've got some cc debt I'm working on, too.

 

Congrats on the progress you've made on yours.

_____________________________________________________________________________
It's never too late to become the person you might have been. ~George Eliot

02/12/09 EX: 701 / 02/08/10 EQ: 719 / 02/08/10 TU: 723

Backdoor Numbers, Credit Scoring 101, Understanding Your FICO Score PDF
Message 6 of 6