topic Re: Khols are joke in Credit Card Applications

Khols are joke

Anonymous — Tue, 28 May 2019 21:32:35 GMT

I applied on 04/26/2019 and they pulled TU and had 705 score. Guess what they send me in the mail?

They want me to make copies proof like driver license, ssn card etc, I made that the next day.

I got the letter result today, it says they were unable to verifty fraud information.

I immediate call them and ask what the heck is going on, they advised they cant do anything, case closed.

Khol's pretty much screwed my CR and I got nothing.

Everyone: Stay away from Khols!

Re: Khols are joke

Anonymous — Tue, 28 May 2019 21:51:57 GMT

Maybe you should take a break from applying for new cards? Seems your apps are not coming out the way you want them to.

Re: Khols are joke

Anonymous — Tue, 28 May 2019 21:55:45 GMT

No, that was the time I had zero inquiry and was approved for several cards that time.

Re: Khols are joke

Anonymous — Tue, 28 May 2019 21:59:34 GMT

You’re going to keep getting denials because your excessive apping behavior is a fraud indicator. I suggest you hit the garden for 6-12 months before you spook the lenders who have approved you.

Re: Khols are joke

Anonymous — Tue, 28 May 2019 22:03:31 GMT

2/22/18: EQ: 501 EX: 522 TU: 540
4/11/19: EQ: 688 EX: 691 TU: 669
AAoA: 14 Years

Captial One Plantium: $200 UPGRADED $500 5/25/19
Walmart: $1000
Target: $500
Amazon: $2500
Fingerhut: $1000
Credit One Bank: $300
Bread Financing: $2500
Affirm: $435 (PAID/CLOSED 04/05/19)
Discover: $5000
Captial One QuickSilver: $2500

So, looking at this list of yours....

You have 3 prime cards and a slew of PLCC cards from stores.

So, what's your objective with all the cards?

What are your plans for the next 1/3/5 years of card collecting?

What do you want your credit to do?

Re: Khols are joke

Remedios — Tue, 28 May 2019 22:13:03 GMT

@Anonymous wrote:
I applied on 04/26/2019 and they pulled TU and had 705 score. Guess what they send me in the mail?
They want me to make copies proof like driver license, ssn card etc, I made that the next day.
I got the letter result today, it says they were unable to verifty fraud information.
I immediate call them and ask what the heck is going on, they advised they cant do anything, case closed.
Khol's pretty much screwed my CR and I got nothing.

Everyone: Stay away from Khols!

Sorry you had this experience.

Your score has nothing to do with identity/fraud verification.

It's unclear whether there is mismatching info on your CR or if it has anything to do with previous apps, but maybe AA letter will provide further details for you.

Also, this is really not a common occurrence for their approval process, so whatever is triggering it, must be profile specific.

Re: Khols are joke

Physh1 — Wed, 29 May 2019 00:31:18 GMT

@Anonymous wrote:
Khol's pretty much screwed my CR and I got nothing.

How? 1 inquiry does nothing anywhere close to screwing your report

Take the personal out of credit decisions...it's not a personal issue.

Re: Khols are joke

Anonymous — Wed, 29 May 2019 00:49:06 GMT

@Anonymousas you are aware it can be frustrating when situations arise like Kohls. Several posters have put forth solid information to help improve future apps. On credit seeking it is easy to forget, credit is not a race and lenders deliberately place 'hard inquirys' so other lenders can track your credit seeking behavior.

As was already posted, you have many new accounts and the flag goes up the pole for over extension of credit. A few years back the rules were updated telling the lenders they need to approve people based on their ability to pay and to consider other lenders along with DTI so as to prevent forcing some one into a credit failure. So, lenders may be viewing you as such. Got frustrating for me and the idea of going to the Garden was tough but it did wonders for my ability to acquire new credit taking a six month time out.

Re: Khols are joke

Meanmchine — Wed, 29 May 2019 03:26:25 GMT

@Anonymous wrote:
Got frustrating for me and the idea of going to the Garden was tough but it did wonders for my ability to acquire new credit taking a six month time out.

Amen brother

Re: Khols are joke

Anonymous — Wed, 29 May 2019 06:15:11 GMT

I agree with everyone else saying to cool it on the apps. Likely your recent applications are flagging you with whatever lender is behind the Kohl's card. Requiring ID docs like that is not a normal part of the application process, especially not for a store card.

Re: Khols are joke

Anonymous — Wed, 29 May 2019 08:56:00 GMT

I’m gonna be the odd one and go against everyone from personal experience (25+ new accounts in less than a year).

You applying for multiple cards has nothing to do with their fraud department. What likely happen was your app was flagged for fraud — most likely random or an UW flagged it for whatever reason. They probably didn’t even check the info you sent and just cancelled the app.

Kohl’s doesn’t even give out high limits to people starting out anyway... Plenty of other cards to get — 1 inq ain’t gonna kill you either — this coming from someone that has 17 on ex alone lol

Re: Khols are joke

Anonymous — Wed, 29 May 2019 09:30:51 GMT

@Anonymous wrote:
I’m gonna be the odd one and go against everyone from personal experience (25+ new accounts in less than a year).

You applying for multiple cards has nothing to do with their fraud department. What likely happen was your app was flagged for fraud — most likely random or an UW flagged it for whatever reason. They probably didn’t even check the info you sent and just cancelled the app.

Kohl’s doesn’t even give out high limits to people starting out anyway... Plenty of other cards to get — 1 inq ain’t gonna kill you either — this coming from someone that has 17 on ex alone lol

You bring a different perspective to the fore front! For me, I found before I basically was cut off from getting new accounts, the credit limits were small $200 to $1,500 and the Aprs were high. Now it is likely one's profile drives a lot of this? In the end I had many essentially useless cards due to small credit limts. Closed the cards and now the fiddler is knocking at the door as they were my oldest cards which will bite me after the ten years in the AAoA.

Re: Khols are joke

pinkandgrey — Wed, 29 May 2019 15:02:09 GMT

Sorry about the crazy experience and the denial! Maybe wait a few months and then try again assuming you still want the card. Good luck!

Re: Khols are joke

Anonymous — Wed, 29 May 2019 19:35:55 GMT

so weird. Kohls was my very first card and i was shocked that i as approved a year ago. I did it in store and they only had to verifty my drivers license number and then call their hotline and have me verbally verify some security information and i was approved. It seems you have quite the collection of cards. Maybe go to the garden for a bit.

Re: Khols are joke

Anonymous — Fri, 31 May 2019 10:13:50 GMT

FYI, since it was mentioned in a post above that “...whichever bank backs Kohl’s...”, it’s CapOne. It’s no surprise that recon didn’t work. Their people have no way to override the decisions of the almighty computer. Be glad that they don’t do a triple HP for this card like they do for their branded core cards.

Re: Khols are joke

Anonymous — Tue, 04 Jun 2019 22:00:10 GMT

UPDATE 06/4/19 I got a letter today from Khol's and they said they were apolgizing for inconveince for the issue they caused due to unable to verifty information but they managed to match and verfied my information and they were able to approve me for Khols card with $2k CL.

Interesting, they were scared because I filed disupte with EX lol.

My hard work pays off, now I'll rest.

Re: Khols are joke

Anonymous — Tue, 04 Jun 2019 22:03:54 GMT

They're not scared of the dispute.... SMH They probably get hundreds of them a week.

Persistance and listening to advice here does help though with the outcomes.

Re: Khols are joke

gdale6 — Tue, 04 Jun 2019 22:21:18 GMT

As OP has now been approved this thread is closed to further comments. OP is free to start a new thread in approvals if so desired.