topic Bit the bullet....apped for Kohl's. in Credit Cards

Bit the bullet....apped for Kohl's.

Anonymous — Mon, 04 May 2009 01:43:13 GMT

Okay, so after all my hmm'ing and ha'ing about whether to apply for Kohl's or not. I decided not to and applied for the Wells Fargo Home Rebate card instead, which has been almost a week now and CSR's have no answer and there is no inquiry showing up on my credit report yet. But, the app is in their system and under review according to the CSR's and the automated system. While I would love this card to apply rewards to my mortgage principle, I don't care all that much if I get it or not.

Anyhoo, I found myself at Kohl's TWICE just this past weekend (and about 5 times in the last 4 weeks) and have some other kitchen items I'll be going back for shortly and some bedding, etc. Since it's becoming increasingly obvious that I will be doing a lot of shopping at this store now that I have my house, I figured I should really take advantage of those stackable coupons everyone talks about.

SO...getting to the point. I know everyone likes to know this info. for Kohl's. I apped in the store today. They pulled EX, inq shows up as KOHLS/CHASE. Not sure what my score is of course, but I'm betting somewhere around 740-750 since that is what it was around mortgage time and nothing has changed since then. CL $1200.

Not too shabby.

FYI - "Kohl's Cash" is where it's at, too. And, you don't need a Kohls charge to get that! It is GREAT. Last week I used my Kohl's cash to get a $80 Bona Hardwood Floor Cleaner set for FREE!! It was 15% off and I had $70 in Kohls cash - got $5 back in Kohls cash as change. Then I ordered a bunch of stuff online and earned another $20 KC...used that yesterday to pick up a Cuisinart wine fridge (small countertop style - was actually contemplating buying one of these for a year but couldn't justify price) that retailed for $179...was on clearance for $71.99 and I used $25 in my free Kohl's cash to buy it down to $46.99. NICE! I don't know how they stay in business!

Re: Bit the bullet....apped for Kohl's.

Anonymous — Mon, 04 May 2009 02:34:52 GMT

I just got the KOHLs card.....700 CL .....Radio shack gave me 600 I think as well.....

Re: Bit the bullet....apped for Kohl's.

Anonymous — Mon, 04 May 2009 02:40:58 GMT

That's awesome, Jon. Congrats.

Re: Bit the bullet....apped for Kohl's.

Anonymous — Mon, 04 May 2009 02:49:01 GMT

I finally bit the bullet and applied to Kohls too. I did it online though and received the message that they couldn't instantly process my application. Bummer probly means I was denied.

Re: Bit the bullet....apped for Kohl's.

Anonymous — Mon, 04 May 2009 02:57:34 GMT

@Anonymous wrote:
I finally bit the bullet and applied to Kohls too. I did it online though and received the message that they couldn't instantly process my application. Bummer probly means I was denied.

That stinks. I wonder if they can verify your info. if you call in. Or you could go down to the store and try?

Store app was SUPER easy. Just sign your name on app and then give them a major cc to swipe. They swipe card, and the pin pad asks you a few questions like numeric portion of street address, social, date of birth and then voila, done. I've never seen anything like it. Hassle free and quick.

What are your scores? I didn't think it was a difficult card to get...?

Message Edited by UpUpUp on 05-03-2009 10:57 PM

Re: Bit the bullet....apped for Kohl's.

aquatic1 — Mon, 04 May 2009 03:49:25 GMT

I have wanted to apply for a kohls card for some time. The problem is that I have no CC's Does that mean that I am unable to apply for this card? Any aswers appreciated....

Re: Bit the bullet....apped for Kohl's.

Anonymous — Mon, 04 May 2009 05:44:12 GMT

@aquatic1 wrote:
I have wanted to apply for a kohls card for some time. The problem is that I have no CC's Does that mean that I am unable to apply for this card? Any aswers appreciated....

I don't think the Kohl's Charge is a good starter card. As far as store cards are concerned, this is one of the harder ones to get. You need relatively good scores. It's Chase after all.

Re: Bit the bullet....apped for Kohl's.

Anonymous — Mon, 04 May 2009 06:10:35 GMT

Congratulations on the new card, UpUp. Terriffic job on using their promotions to save money too! Don'tcha just love a bargain??!!

Re: Bit the bullet....apped for Kohl's.

Anonymous — Mon, 04 May 2009 06:17:50 GMT

I have to chime in with my congrats! This card is still on my shortlist .

Re: Bit the bullet....apped for Kohl's.

Anonymous — Mon, 04 May 2009 06:58:08 GMT

I believe that somebody posted that they got the card with a score of 620 on another thread. The interest rate isn't very good with the card that's for sure.

Re: Bit the bullet....apped for Kohl's.

cabana7 — Mon, 04 May 2009 08:09:37 GMT

Congratulations! Got mine in December applied in the store (which is usually best) was instantly

approved for a $1500 credit line...they pulled Experian and my score at the time was 743..who knows now...I never carry a balance there but they send me discounts in the mail all the time...they remind me a little of Macy's but less expensive.

Re: Bit the bullet....apped for Kohl's.

Anonymous — Mon, 04 May 2009 08:32:45 GMT

Kohls doesn't use your Fico score for their decision. They use the Vantage score. You will get a heavy ding on your Vantage score if you have no mortgage line reporting. It makes a lttle sense I guess considering the nature of Kohls business. Doesn't make sense if you are renting or the mortgage is in your spouses' name only.

Re: Bit the bullet....apped for Kohl's.

Anonymous — Mon, 04 May 2009 13:16:48 GMT

@Anonymous wrote:
Kohls doesn't use your Fico score for their decision. They use the Vantage score. You will get a heavy ding on your Vantage score if you have no mortgage line reporting. It makes a lttle sense I guess considering the nature of Kohls business. Doesn't make sense if you are renting or the mortgage is in your spouses' name only.

I heard that your Vantage score might be 520 (F) even if your FiCO is in the mid-700's without a mortgage. I go to Kohl's for clothes, and I'm not sure whether a mortgage helps for that kind of purchase. Then again, they probably think I don't need credit from them for my T-shirts .

Re: Bit the bullet....apped for Kohl's.

Anonymous — Mon, 04 May 2009 13:24:58 GMT

@Anonymous wrote:
@Anonymous wrote:
Kohls doesn't use your Fico score for their decision. They use the Vantage score. You will get a heavy ding on your Vantage score if you have no mortgage line reporting. It makes a lttle sense I guess considering the nature of Kohls business. Doesn't make sense if you are renting or the mortgage is in your spouses' name only.
I heard that your Vantage score might be 520 (F) even if your FiCO is in the mid-700's without a mortgage. I go to Kohl's for clothes, and I'm not sure whether a mortgage helps for that kind of purchase. Then again, they probably think I don't need credit from them for my T-shirts .

I wasn't aware you got dinged for not having a mortgage. My new mortgage is not yet reporting and they gave me a $1200 CL. I would think that means I didn't get dinged too bad considering that's a decent CL for Kohl's I think. I don't pay any attention to FAKO's though and don't know where I could even see my Vantage score, except for Experian.com and I refuse to give them 5 cents!

Message Edited by UpUpUp on 05-04-2009 09:24 AM

Re: Bit the bullet....apped for Kohl's.

Anonymous — Mon, 04 May 2009 13:27:14 GMT

@Anonymous wrote:
I believe that somebody posted that they got the card with a score of 620 on another thread. The interest rate isn't very good with the card that's for sure.

True. It's terrible. Def. a pay in full card, I do that with all my cards so I really don't pay attention to any interest rates. Though, I think most people get this card for the deals and sales. If so, it would kind of defeat the purpose to use the card to get sales prices and then let a balance sit on any interest rate.

Re: Bit the bullet....apped for Kohl's.

MsKiwi — Mon, 04 May 2009 13:52:55 GMT

Congrats UP! I knew you'd go for this card, it has great perks (coupons and such) I love Kohl's sales.

Re: Bit the bullet....apped for Kohl's.

Anonymous — Mon, 04 May 2009 14:04:08 GMT

@MsKiwi wrote:
Congrats UP! I knew you'd go for this card, it has great perks (coupons and such) I love Kohl's sales.

Haha, you are so funny. On Saturday, I was in the store thinking...I should really apply for this card. Then I decided to hold off. When I found myself back there again on Sunday, I realized it was just plain silly not to take advantage of all the perks.

Re: Bit the bullet....apped for Kohl's.

fishbjc — Mon, 04 May 2009 15:24:53 GMT

I worked at Kohl's for four years. Some of the prices on their name brands are more expensive than Bed Bath and Beyond. Using the 20% coupon for BBB, your final price may be less.

Kohl's is notorious for paying their floor employeees less than any other retailer. They make up for the lower wage by being very lenient with employees schedules, which was great! They also keep a minimum floor staff so keep prices down. Just do your research before making a large purchase.

For some reason, I'm still on the Friends & Family List and still get the employee discount even though I've been gone for one year. You used to be able to pay your charge by using their gift cards. Now you have to purchase the gift cards they sell for fund raisers....bummer!!!! I used to *triple dip*.

Just keep ALL RECEIPTS for a return or always put it on your Kohl's charge so they can do a look up direct. Otherwise they track you for returns.

Congrats on the card!

Re: Bit the bullet....apped for Kohl's.

Anonymous — Mon, 04 May 2009 15:33:49 GMT

Thanks for the insider info, Fish. I actually just purchased a coffee maker and had a 20% discount at BBB also. I compared online the price of the coffee maker and with the discount it was still a few dollars more than the current sales price at Kohl's. I am the type that ALWAYS checks around before making any purchase, so your advice is sound. I'm sure on other items it will pay to price shop first.

Too bad you can't triple dip anymore! That is awesome. Atleast you still get the discounts.

Good to know that they can look up items if you use your charge!

Re: Bit the bullet....apped for Kohl's.

ralbusta — Mon, 04 May 2009 18:26:03 GMT

@fishbjc wrote:

Just keep ALL RECEIPTS for a return or always put it on your Kohl's charge so they can do a look up direct. Otherwise they track you for returns.

I thought all stores do this. I used to work at JCP, and I know that they definitely do this. After a set number of returns without a receipt, they will no longer allow you to return w/out receipt.

ETA: Oh yeah congrats UP! For the WF card as well!

Message Edited by ralbusta on 05-04-2009 12:26 PM