topic Re: Kohl's in Credit Cards

Kohl's

Anonymous — Tue, 19 Apr 2011 19:05:19 GMT

This was my first cc app in almost 2 1/2 years. I was TERRIFIED. It was at the store and a ton of folks behind me.

APPROVED. $800 cl.

YEAH!

Re: Kohl's

haulingthescoreup — Tue, 19 Apr 2011 19:19:20 GMT

Woo-hoo! Congratulations! If you shop there a lot, you can get some great deals on early-bird sales, etc.

I made a highly-inadvised app at the Kohl's check-out register a number of years ago and was shot down in flames in front of many, many onlookers. No wonder I'm a chicken when it comes to apping!

Re: Kohl's

Anonymous — Tue, 19 Apr 2011 19:21:04 GMT

Congratulations, and welcome to the boards!

Yes, it can be nerve wracking when waiting on an approval in front of a bunch of people. I'm happy that it worked out for you. Good luck with the new CC!

Re: Kohl's

203bravo — Tue, 19 Apr 2011 19:39:51 GMT

The peel off cupons every month are the bomb --- i got 3 boxes of Keurig coffee's the other day for just a little over 4 bucks

Re: Kohl's

Anonymous — Tue, 19 Apr 2011 19:44:26 GMT

Nice! Congratulations!

Re: Kohl's

Anonymous — Tue, 19 Apr 2011 19:47:52 GMT

Congrats!!! I love that store.

No in-store Kohl's apping for me for another 15 months.

Then, I'm so going in for that card!

And don't forget to treat yourself for all the courage it take to do an in-store app!

Re: Kohl's

daytrade5 — Tue, 19 Apr 2011 19:55:59 GMT

Congrats! I also like Kohl's, just purchased some things the other day from there! Having that card will save you loads of cash!

Re: Kohl's

vish1 — Tue, 19 Apr 2011 20:44:38 GMT

AFAIK kohl's is backed by cap1, so 800 is a pretty good CL.

Re: Kohl's

Tazman81 — Tue, 19 Apr 2011 21:01:30 GMT

@vish1 wrote:
AFAIK kohl's is backed by cap1, so 800 is a pretty good CL.

Oh, did this recently change? I thought Kohls was backed by Chase.

Re: Kohl's

kc12286 — Wed, 20 Apr 2011 18:50:46 GMT

I'm pretty sure it's still Chase. It was when I had the card. Congrats on the approval, it's a good card to have. I just didn't shop there enough, especially after I stopped working there.

Re: Kohl's

Anonymous — Wed, 20 Apr 2011 19:18:35 GMT

I recently noticed on one of my CR's it said Kohls's/Cap 1 for my Kohls's card. I thought that was funny beacuse I thought it should have said Chase since it had for some time now. Maybe Cap 1 did take over??

Re: Kohl's

ILBrian — Wed, 20 Apr 2011 19:25:52 GMT

looks like it is capital one now-

http://www.kohlscorporation.com/Legal/CardmemberAgreement.pdf

"Authorization: When you apply for a Kohl’s credit card from Capital One, N.A. (“Capital One”,“we”, or “us”), you agree to the following:"

Re: Kohl's

Tazman81 — Wed, 20 Apr 2011 19:27:05 GMT

@ILBrian wrote:
looks like it is capital one now-

http://www.kohlscorporation.com/Legal/CardmemberAgreement.pdf

"Authorization: When you apply for a Kohl’s credit card from Capital One, N.A. (“Capital One”,“we”, or “us”), you agree to the following:"

Nice. I may have to try them out now. I didn't stand a chance with Chase... whole BK issue with my mortgage being with Chase. Thanks for the info.

Re: Kohl's

haulingthescoreup — Wed, 20 Apr 2011 19:35:11 GMT

Yikes, does that mean that they'll hard all three for a Kohl's app, as they do for their bank cards??

Re: Kohl's

Anonymous — Wed, 20 Apr 2011 19:38:16 GMT

I also love Kohl's. The peel offs and Kohl's cash in addition to large selection of clearance items make it worth it to me. For those considering this card, you can go online to apply and receive a response in 60 secs. That's how I got mind. It was even scary applying online because something happened while I app'ing and had to end up calling them with a reference. It wasn't an approval or denial message. The rep told me something was wrong with their site that day and most people had to call with this reference number. After verifying a few pieces of information, she told me I was approved.

Re: Kohl's

Tazman81 — Wed, 20 Apr 2011 19:58:38 GMT

@haulingthescoreup wrote:
Yikes, does that mean that they'll hard all three for a Kohl's app, as they do for their bank cards??

Ah, good point. I don't know.

Re: Kohl's

RyVision — Sat, 23 Apr 2011 08:44:42 GMT

I've had the Kohl's card since Jan 2009. It came up on all my credit reports as Kohl's\Chase, looking at the bill however, it has changed to Capital one in the small print on the reverse. It used to be Chase bank at least up until Dec 2010. I have never gotten a CLI since I opened it, I've never thought to ask though either. Started at 300 and stayed there. I'm always able to get the 15% off plus any discounts going on at the time at the checkout though. So I'm ok with the card and the discounts, interest is high though with any balance. Other than underwear (don't laugh, they carry my fav kind lol) I tend to buy stuff on clearance and still get the other discount. I like that I can pay the bill online or in the store as well as the mail. It's one of my older cards so I'll probably never close it now that I know it's a bad idea to close them (I realllllly erased some good history by doing so long ago). The only report I see Kohl's listed as an inq is back in 2009 for Experian for when I opened the account. I would guess, having capital one myself, that Kohl's now checks at least 2 and probably all 3 when you apply.

Re: Kohl's

Anonymous — Sun, 24 Apr 2011 00:02:52 GMT

I wonder what is the required or typical needed for an Kohl's card, I know my store uses Experian to check the score and my score with them is 634 and I got declined....

Re: Kohl's

mocha82 — Sat, 30 Apr 2011 08:36:22 GMT

@haulingthescoreup wrote:
Yikes, does that mean that they'll hard all three for a Kohl's app, as they do for their bank cards??

No I applied. they only pull Equifax now w/ Cap1.

Re: Kohl's

Anonymous — Sat, 30 Apr 2011 18:05:29 GMT

@Anonymous wrote:
I recently noticed on one of my CR's it said Kohls's/Cap 1 for my Kohls's card. I thought that was funny beacuse I thought it should have said Chase since it had for some time now. Maybe Cap 1 did take over??

Interesting. I pulled a TU annual credit report earlier this month, and my Kohl's is listed as Kohl's/Chase. I haven't pulled any other bureau's report recently, though, so I don't know how it's reported elsewhere.

Maybe some accounts went one direction, and others went another (or stayed the same)? Dunno.