topic Re: Kohls limits in Credit Cards

Kohls limits

scoreupper — Mon, 10 Dec 2007 00:49:45 GMT

I am thinking of opening a Kohls store card. Can someone share CL's and what report they pull from I live in MN

I also read that they are chase, I know when you app at a chase site they ask the three questions of death. I can not pass, so I end up not app'n.

THX all!

Re: Kohls limits

Anonymous — Mon, 10 Dec 2007 00:53:20 GMT

scoreupper wrote:

I am thinking of opening a Kohls store card. Can someone share CL's and what report they pull from I live in MN

I also read that they are chase, I know when you app at a chase site they ask the three questions of death. I can not pass, so I end up not app'n.

THX all!

Store cards are issued on different criteria that credit cards. Here in the SW, Chase pulled experian for me for this card. I gave it back cause I really don't shop there that often.

My approval limit was 450.00.

Message Edited by Brammy on 12-09-2007 07:53 PM

Re: Kohls limits

scoreupper — Mon, 10 Dec 2007 00:54:22 GMT

Brammy,

Funny thing is they hold my first mortgage and gave me a HELOC two years ago for 100K. I used 15K and now it sits there at 0 balance (eight years to go on draw). I am still afraid of the CC questions at chase..silly me

Re: Kohls limits

Anonymous — Mon, 10 Dec 2007 01:00:35 GMT

scoreupper wrote:

Brammy,

Funny thing is they hold my first mortgage and gave me a HELOC two years ago for 100K. I used 15K and now it sits there at 0 balance (eight years to go on draw). I am still afraid of the CC questions at chase..silly me

You and me both and I think they designed it that way!!! I actually emailed them to get a response to an earlier poster's questions as for as timelines on those questions and of course they have NOT answered me...lol!

Re: Kohls limits

SmartCookie — Mon, 10 Dec 2007 02:54:46 GMT

They pulled EX for me in NY. Their app is on the site and that's all they ask except for your ID and credit card.

Credit limits are decent enough to make getting the card worth it, but not as big as with other stores. I got 1.5K with high 700's on EX and a good history with Chase (and I don't think that mattered). Much more than I would need... but still I was a little surprised that it was not at least 2K.

I haven't asked for a CLI because I don't carry a balance and don't need the UTI, so I'm not sure how easy that is.

Re: Kohls limits

haulingthescoreup — Mon, 10 Dec 2007 03:10:17 GMT

EX for me in Tennessee last February. I app'd at checkout and was declined in front of several dozen fascinated shoppers.

One day, one day, I'll try again, but it will be over at the customer service desk!

Re: Kohls limits

Anonymous — Mon, 10 Dec 2007 13:42:15 GMT

Lol...I walked into Kohls one Saturday morning a happy shopper..The cahier that day was even happier as she was getting a bonus for all app's.I go and grab the comforter (customers piling up) Im nervous by now and asked the cashier to hurry it up..Runs my credit and walla, Denied...Oh, boy online denials are much better....lmao...

Re: Kohls limits

Anonymous — Mon, 10 Dec 2007 13:51:42 GMT

That is why I hate app'ing in store. Not so much that I will be declined, but that people will be watching...lol!!! When I app'd in Macy's (the first time in a long time) I was the only one in that area of the store at that time. I was nervous thinking I would be declined and I think the sales girl thought I would be too. (shrugs shoulders). Came back with an instant approval. This was before I knew about infamous low limits at this store. Asked the sales girls if there was anyway to get the limit, she said they will send it to you with your card. I was like 'How am I supposed to shop?' (wanted my 15 percent off)/

Anyway, after rugrat pilaged the Sean Jean fashions and was in the fitting room, I asked the cashier in the mens department if there was anyway to find the limit. She took one look at what I had on the counter and knew she'd better call someone....lol!!!

I was warned then that they sometimes give 'very low' 100.00 limits. I think the first cashier knew that and didn't want me to check and tell them to keep it. After checking the limit, I proceeded to pile all my stuff on the counter for checkout and for some reason the cashier looked surprised. Guess they REALLY usually give very small limits on approval.

Message Edited by Brammy on 12-10-2007 08:51 AM

Re: Kohls limits

ccaddict — Mon, 10 Dec 2007 15:29:39 GMT

They pulled EX for me in CA. Got a $1000 limit.

Good thing in the store I went to is that the app center was at the return section. There wasn't anyone there.

Re: Kohls limits

Red1Blue — Mon, 10 Dec 2007 15:47:27 GMT

I have 36 Inqs on my EX in the last 2 years and I'll stay away from any CC that requires EX.

Re: Kohls limits

Anonymous — Mon, 10 Dec 2007 20:29:18 GMT

scoreupper wrote:

Brammy,

Funny thing is they hold my first mortgage and gave me a HELOC two years ago for 100K. I used 15K and now it sits there at 0 balance (eight years to go on draw). I am still afraid of the CC questions at chase..silly me

Well I got the first response to find out what those questions actually means and they basically gave me the standard run around about lines being approved based on different factors in your score.

I decided to press the issue and come flat out and ask WTH they mean by those questins and the parameters for app'ing. I also advised that thos equestions without further clarification, scares off a lot of potential customers.

Just think. I would probabaly have a Chase card instead of a Discover...lol!

Re: Kohls limits

Anonymous — Mon, 10 Dec 2007 21:13:30 GMT

what are these three questions that are scaring people off?

Re: Kohls limits

Anonymous — Mon, 10 Dec 2007 21:21:23 GMT

1. Is your credit history clear of serious delinquencies?

-In Chaseese does this mean do you have delinquencies two years old or older or if you have any at all still showing on your bureau?

2.. Is your credit hisory clear of bankruptcy?

- Again, in that foreign language are they asking if you still have an active BK on a payment plan or are they asking if you have any record whatsover of such action anywhere on your file.

Inquiring minds want to know before hitting submit..

Re: Kohls limits

Anonymous — Mon, 10 Dec 2007 21:22:50 GMT

ok that's two. what's number 3?

Re: Kohls limits

Anonymous — Mon, 10 Dec 2007 21:25:18 GMT

dizzier wrote:
ok that's two. what's number 3?

LOL!! Not worried about 3... I think its just that the three are there together I think that one just asks if you are 18.

But WTH do they mean? The two that is.

Re: Kohls limits

Anonymous — Mon, 10 Dec 2007 21:27:38 GMT

i'd assume that they mean exactly what they ask. if you have delinquencies you are screwed, if you have a BK you are screwed (unless they decide otherwise based upon other parts of your application).

Re: Kohls limits

Anonymous — Mon, 10 Dec 2007 21:41:16 GMT

dizzier wrote:
i'd assume that they mean exactly what they ask. if you have delinquencies you are screwed, if you have a BK you are screwed (unless they decide otherwise based upon other parts of your application).

I find it hard to believe that any card is going to deny you for a 60 day paid late back in 2001.... Heck Amex doesn't even do that and Chase ain't Amex. Heck Amex ain't even Amex any more. But even when they were they weren't that bad.

Message Edited by Brammy on 12-10-2007 04:40 PM

Message Edited by Brammy on 12-10-2007 04:41 PM

Re: Kohls limits

Anonymous — Mon, 10 Dec 2007 21:49:08 GMT

Looks like at least a portion of th answer is in this thread by ssavic

http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&thread.id=25147

Re: Kohls limits

scoreupper — Tue, 11 Dec 2007 00:51:37 GMT

Brammy---> great link. I have a very simular credit profile as that poster BK7 2001, no baddies since. I have open TL with them and a thicker file from what I read.

I may have to app this....I still need to know who they pull. I have a few too many INQs on EXP for my liking and want to apply only if I am going to get approved.

I have been approved for almost everything I have apped for in the last three years. i think that is due to me not apping too much!

ALL--> what CRA did Kohls/chase pull from on your app? what was your CL?

Thx

Re: Kohls limits

Anonymous — Tue, 11 Dec 2007 00:59:28 GMT

My approval limit was 450.00