topic Re: Kohl’s Card. Approval or Denied in Credit Card Applications

Kohl’s Card. Approval or Denied

Honeykissez — Wed, 28 Oct 2020 21:33:32 GMT

Does anybody know what this means? I got prequal for the Kohl's card and applied and got this. I called customer service and she said that since I just applied she can't tell but I'll be receiving the next steps by mail. Is that possibly to verify info? Tia

Re: Kohl’s Card. Approval or Denied

FinStar — Wed, 28 Oct 2020 21:57:34 GMT

Pretty much the standard message for any submitted applications and it could go in either direction. Was this submitted via pre-qualification or a cold app?

Re: Kohl’s Card. Approval or Denied

Honeykissez — Wed, 28 Oct 2020 21:59:29 GMT

@FinStar I did the prequal first and it said I qualified and even gave me some discount code. Then I did the application and got that.

Re: Kohl’s Card. Approval or Denied

FinStar — Wed, 28 Oct 2020 22:10:40 GMT

I would just wait it out until you receive additional confirmation on the application. It's possible they may need to verify some additional pieces of information. There are instances in which it can yield an instant approval, but in a variety of circumstances additional processing time is needed.

I don't believe that the splash message alone can be an indication of an approval let alone a denial.

Re: Kohl’s Card. Approval or Denied

Anonymous — Sat, 31 Oct 2020 16:41:10 GMT

Same experience here. I prequalified through their website, and submitted the app and received the same message. I also called in and was told to look for additional info in the mail. Waiting for that letter.

Good luck on your app!

Re: Kohl’s Card. Approval or Denied

Honeykissez — Sat, 31 Oct 2020 17:25:16 GMT

@Anonymous Good luck to you also. A Facebook group that I'm in, someone also got the same message and they sent her a letter. They wanted her to verify her ID. She emailed it to them and got approved the same day. Hopefully we have the same luck.

Re: Kohl’s Card. Approval or Denied

Anonymous — Sat, 31 Oct 2020 18:54:43 GMT

@Honeykissez wrote:
@Anonymous Good luck to you also. A Facebook group that I'm in, someone also got the same message and they sent her a letter. They wanted her to verify her ID. She emailed it to them and got approved the same day. Hopefully we have the same luck.

That's good to know. My initial thought was that they needed to verify ID & was hoping to do that over the phone. I'll be patient & wait on that letter☺

Re: Kohl’s Card. Approval or Denied

Anonymous — Sun, 01 Nov 2020 16:45:18 GMT

Do you now if it was hard pull or soft pull?

Re: Kohl’s Card. Approval or Denied

Honeykissez — Sun, 01 Nov 2020 17:22:36 GMT

@Anonymous Hard pull to transunion

Re: Kohl’s Card. Approval or Denied

Anonymous — Sun, 01 Nov 2020 17:26:27 GMT

Thanks

Re: Kohl’s Card. Approval or Denied

Honeykissez — Tue, 03 Nov 2020 21:40:16 GMT

UPDATE

I received the letter today and they said I got my fraud questions incorrect so they couldn't process my application. I called and they told me to apply again online or in store.

Re: Kohl’s Card. Approval or Denied

Anonymous — Tue, 03 Nov 2020 22:50:33 GMT

I wonder if you applied again if they would use the same HP.

@Honeykissez wrote:
UPDATE
I received the letter today and they said I got my fraud questions incorrect so they couldn't process my application. I called and they told me to apply again online or in store.

Re: Kohl’s Card. Approval or Denied

Honeykissez — Tue, 03 Nov 2020 23:15:53 GMT

@Anonymous The rep said it would be a pull but he wasn't sure if it's hard or soft.

Re: Kohl’s Card. Approval or Denied

coldfusion — Tue, 03 Nov 2020 23:21:18 GMT

@Anonymous wrote:
I wonder if you applied again if they would use the same HP.
@Honeykissez wrote:
UPDATE
I received the letter today and they said I got my fraud questions incorrect so they couldn't process my application. I called and they told me to apply again online or in store.

Probably not, because they determined that the application was fraudulent.

Now, one could push back that since they determined that the application was fraudulent they should follow up by withdrawing hard pulls made against it.

Re: Kohl’s Card. Approval or Denied

Honeykissez — Wed, 04 Nov 2020 00:25:45 GMT

@coldfusion Transunion said they would remove the inquiry.