topic Re: APPROVED!!! Kohl's... in Credit Cards

APPROVED!!! Kohl's...

jdsays — Wed, 07 Oct 2009 18:27:08 GMT

I've been wanting to apply for a Kohls charge, and since Im going shopping there tonight I figured Id apply online and see if I could open an account. Well to my surprise I just applied and was approved!!! I only got a $400 credit limit, but since most of my other cards are in the $300-750 range I wasnt that disappointed. Im not sure of my score or what they pulled yet but Im in the 650 range for EX/EQ.

My question is, I know its usually better to apply in store for better CL's (I was just too shy to)....has anyone had luck calling a backdoor # or going in store and getting in increase on their limit after applying?

Just wondering...

Re: APPROVED!!! Kohl's...

nicemann — Wed, 07 Oct 2009 18:49:47 GMT

Congrats. Glad to see you got your new card.

Re: APPROVED!!! Kohl's...

jdsays — Wed, 07 Oct 2009 18:52:24 GMT

Thank you! I was also recently approved for a second Cap 1 card, and a Shell gas card. Now with 3 major credit cards and 3 gas/store cards, Im going to stop apping for a while and garden. (But boy is it going to be hard!)

Re: APPROVED!!! Kohl's...

Anonymous — Wed, 07 Oct 2009 19:30:40 GMT

Kohls uses EX/Vantage. Knowing your FICO is not at that helpful for this one!

Re: APPROVED!!! Kohl's...

Anonymous — Wed, 07 Oct 2009 20:59:58 GMT

congrats on your Kohl's approval..I do have a question..How long for those of you who have Kohl's was it before you got a CLI or did you have to call in and request one..and I'm sure being Chase it would be a hard..I've had my Kohl's card since May 2007 and have not gotten any type of CLI and I use it regularly and always PIF except for 1 month as a test I paid 1/2 the balance and the next month I paid the remainder.

Re: APPROVED!!! Kohl's...

Creditaddict — Thu, 08 Oct 2009 01:02:35 GMT

unlike regular chase cards, the kohls card gets credit line increases based on performance of the account and is available every 4 months I believe it is.

Re: APPROVED!!! Kohl's...

TryN2Rebuild — Fri, 09 Oct 2009 02:34:22 GMT

I am thinking about applying for a Kohls card but I see they are thru chase. Does anyone know if chase black lists. Chase was part of my BK so dont want to waste an INQ.

Thanks

Re: APPROVED!!! Kohl's...

nicemann — Fri, 09 Oct 2009 21:26:43 GMT

@ewingerter wrote:
I am thinking about applying for a Kohls card but I see they are thru chase. Does anyone know if chase black lists. Chase was part of my BK so dont want to waste an INQ.

Thanks

I am positive Chase does not blacklist. I have a $2,000 charge off with them back in 2001. In 2008 I applied for a new card. It was a "7-10 day message". I called them up right away and they looked at my credit report. The old CO was already off my CR. They still asked me about it because it was still in their computer system. I just explained I fell apon hard times. She went ahead and approved my appilcation and even gave me a 3K CL. Heck that is above the old CL I had with them before. I didn't even do a BK. I just ignored the calls and the mail till they charged off it. (Yeah I was young and dumb)

Re: APPROVED!!! Kohl's...

Creditaddict — Fri, 09 Oct 2009 23:50:47 GMT

Are they BK friendly?

Re: APPROVED!!! Kohl's...

pattycake — Sat, 10 Oct 2009 00:03:18 GMT

@jdsays wrote:
I've been wanting to apply for a Kohls charge, and since Im going shopping there tonight I figured Id apply online and see if I could open an account. Well to my surprise I just applied and was approved!!! I only got a $400 credit limit, but since most of my other cards are in the $300-750 range I wasnt that disappointed. Im not sure of my score or what they pulled yet but Im in the 650 range for EX/EQ.

My question is, I know its usually better to apply in store for better CL's (I was just too shy to)....has anyone had luck calling a backdoor # or going in store and getting in increase on their limit after applying?

Just wondering...

Congrats! I have read in the threads that you sometimes get a better CL or at least have a better shot at approval in store. I think for me, psychologically, it's not having to wonder if I was denied.

Not all in-store apps require salary info, so that may have an effect on your CL. You might get more on an online app where the form is more complete.

I'd wait a few months before requesting a higher CL.

Re: APPROVED!!! Kohl's...

Anonymous — Tue, 20 Oct 2009 02:39:00 GMT

creditaddict said:

Are they BK friendly?

__________________________________________________________________________________________________________________________

Seems they ARE bk friendly, if the bk is older. I have coveted a Kohl's card for 3 years, and was denied two years ago and again last October (FICOs were lower back then). I just app'd again this week, and lo-and-behold...instant approval online for a $600 cl! I'm SO looking forward to those coupons!

My bk was discharged 5/2001, so it's about 8 1/2 years old...in reviewing other Kohl's approved/denied posts, it seems more got denied than approved with a history of bk. Maybe the combo of aged bk and 680+ scores is what did the trick for me? Who knows. FYI, my accounts IIB were: Cap1, Citi, MNBA, First Premier, Ford Motor Credit, and Providian. In my rebuilding, I have been able to get cards again with Cap1, First Premier, and BOA (MNBA) via a secured card. I have NOT been able to get in with Wamu (Providian), and have not bothered with Ford. I'm too scared to try with Citi just yet...maybe when the bk falls off my reports in 2011.

Anywho...the Kohl's approval set off an appy spree for me (sigh). Getting the "Congratulations! You're Approved!" message just feels so good! So here are the results, in the order that I app'd:

Alliant CU Platinum Visa - pending, waiting to hear from CSR (crossing fingers on this one!)

Kohl's (Chase) - approved $600 cl

Belk (GEMB) - approved $400 cl

Kay Jeweler (Sterling) - approved $1900 cl

New York & Company (WFNNB) - don't know yet, got 7-10 day message (love this store! though I've been reading some not-so-nice things about WFNNB here on the boards...)

And DH was approved for Home Depot (Citi)!!!! Only a $500 cl, but we actually got back in with Citi after IIB...I can't believe it!!!!! I'm not sure if it's because the accounts are no longer on our cr's, or because of the amount of time that has passed.

Edited for clarity and to correct grammatical error.

Message Edited by soccermomof4 on 10-19-2009 07:39 PM

Re: APPROVED!!! Kohl's...

Anonymous — Tue, 20 Oct 2009 15:20:28 GMT

Congrats Soccermom! You scored!!!

Glad to hear that about Kohl's - they're on my wishing and waiting list.

Let us know what you hear from Alliant - DH likes his card with them!

Good luck with NY&Co. - great sales and coupons to go with that nifty store.

You've got some lovely new cards there - remember to keep one eyeball peeled on your AAofA . (I'm watching mine recover after app spree......)

NIce job recovering from bk - you go girl!

Re: APPROVED!!! Kohl's...

Anonymous — Tue, 20 Oct 2009 18:41:31 GMT

Welcome to the Kohl's club. I just got one a week or so ago. I've gotten so many emails about 10-20% off. There's always some sale going on. I was a little afraid to app in store, just don't wanna be declined in front of a bunch of people. I only got $400 CL, but I'll take it! I'll just buy some cut little decarations for the dining room or something until I get an increase.

Re: APPROVED!!! Kohl's...

Anonymous — Wed, 21 Oct 2009 20:15:29 GMT

Thanks for the congrats! I'm pretty happy about getting the Kohl's card after all these years of trying...got my $5 coupon emailed to me, so will be doing a little Christmas shopping there soon.

I know what you mean about apping in-store. I can't bring myself to do it for fear of being declined in public. I ALWAYS app online.

Looks like it's a no-go on Alliant. I spoke with a loan officer today and he said declined due to bk, and recently opened cc's with NFCU which makes it look like I'm accumulating too much debt. I pointed out bk was almost 9 years ago, stated I'm just trying to establish relationships with CU's to rebuild my credit, and pointed out that all my other smaller cl cc's were BT to the NFCU cards, so all those have zero balances even though they may not have all reported as such yet. He said I can plead my case with the loan officer that worked my file (who I've already called 4 times but goes to voicemail every time!)...ugh. Not sure if I'll call again; I may just let that one go. At least I'm in with NFCU, and they gave me LOTS of love. I'll just baby that relationship for now.

Still haven't heard back on the New York & Co. card...I really, really want that one to add to my collection. And then I'm done. I mean it. Oh wait - unless I do get in with WFNNB. Then I might just have to app for Ann Taylor. But then I'll really be done. Really.

Re: APPROVED!!! Kohl's...

Anonymous — Wed, 21 Oct 2009 20:24:29 GMT

Never give up on a recon before it is stone cold dead!

Re: APPROVED!!! Kohl's...

QueenBean — Tue, 10 Nov 2009 18:44:46 GMT

It appears as though there is just no hard, fast rule. I just called the Chase Recon number and was told that any BK showing on the CR was an automatic decline.

Re: APPROVED!!! Kohl's...

Anonymous — Wed, 11 Nov 2009 04:04:39 GMT

@QueenBean wrote:
It appears as though there is just no hard, fast rule. I just called the Chase Recon number and was told that any BK showing on the CR was an automatic decline.

That answer would apply to Chase app's. Not too sure it would apply to Kohl's app's though.

Re: APPROVED!!! Kohl's...

QueenBean — Wed, 11 Nov 2009 05:53:15 GMT

@Anonymous wrote:
@QueenBean wrote:
It appears as though there is just no hard, fast rule. I just called the Chase Recon number and was told that any BK showing on the CR was an automatic decline.

That answer would apply to Chase app's. Not too sure it would apply to Kohl's app's though.

I thought the Chase Recon # was also the the one for Kohls. The agent and I were discussing Kohls, so now I'm just confused......is there another number for Kohls Recons?