topic Re: I'm at Kohl's, should I apply? Update: Approved...Finally!! in Credit Cards

I'm at Kohl's, should I apply?

pinoyscorpion951 — Sun, 21 Oct 2012 03:45:44 GMT

This week, I had 3 inquiries drop off from Experian. I only have 3 now. It appears now that the Kohls credit card is now backed by capital 1 and the anecdotal reports are that it is easy to get now. They pull Experian and my score is 660 one year post bk7. I'm shopping for some items for the home and have 20 dollars in Kohls cash that I can stack on top of 30 percent at the register. I'm soo nervous, I've been declined 4 times before when their portfolio was handled by Chase. What do you all think? Is it worth the discount and possible rejection in front of a lot of other customers? It's a busy shopping night tonight. My wife is buying a boatload of stuff. The 30 percent would sure come in handy.

Re: I'm at Kohl's, should I apply?

afbar1114 — Sun, 21 Oct 2012 03:49:17 GMT

i got approved for $300 a year or so ago. try it and they will still give u the %%% off

Re: I'm at Kohl's, should I apply?

Anonymous — Sun, 21 Oct 2012 03:49:37 GMT

@pinoyscorpion951 wrote:
This week, I had 3 inquiries drop off from Experian. I only have 3 now. It appears now that the Kohls credit card is now backed by capital 1 and the anecdotal reports are that it is easy to get now. They pull Experian and my score is 660 one year post bk7. I'm shopping for some items for the home and have 20 dollars in Kohls cash that I can stack on top of 30 percent at the register. I'm soo nervous, I've been declined 4 times before when their portfolio was handled by Chase. What do you all think? Is it worth the discount and possible rejection in front of a lot of other customers? It's a busy shopping night tonight. My wife is buying a boatload of stuff. The 30 percent would sure come in handy.

With a 660 and 1 year post BK, my gut would be that they will decline you, even for a store card, but YMMV. All you can do is apply.

Re: I'm at Kohl's, should I apply?

afbar1114 — Sun, 21 Oct 2012 03:50:27 GMT

they are runned by cap1 now but they havent been able to do a CLI in like 8months because of a system update.

Re: I'm at Kohl's, should I apply?

creditnocash — Sun, 21 Oct 2012 03:50:28 GMT

@pinoyscorpion951 wrote:
This week, I had 3 inquiries drop off from Experian. I only have 3 now. It appears now that the Kohls credit card is now backed by capital 1 and the anecdotal reports are that it is easy to get now. They pull Experian and my score is 660 one year post bk7. I'm shopping for some items for the home and have 20 dollars in Kohls cash that I can stack on top of 30 percent at the register. I'm soo nervous, I've been declined 4 times before when their portfolio was handled by Chase. What do you all think? Is it worth the discount and possible rejection in front of a lot of other customers? It's a busy shopping night tonight. My wife is buying a boatload of stuff. The 30 percent would sure come in handy.

just letting you know at the time you wont be getting any cli for a while (ive been trying since june-had the card since last jan)

they are upgrading their system but do not have any dates on when it will be back up.

depends if you will use the card alot.

ive probably bought 3 things in that store since i got the card and used once to get discount on a keurig and put it on my amex.

Re: I'm at Kohl's, should I apply?

afbar1114 — Sun, 21 Oct 2012 03:51:33 GMT

ill spend around $1k a year at least there i get alot of stuff for work and clothes for my self

Re: I'm at Kohl's, should I apply?

pinoyscorpion951 — Sun, 21 Oct 2012 04:02:35 GMT

Yup, my wife and I spent about 3000 for items here in the last 2 years. At that clip we would qualify for mvc status and get even more perks. We just got in line right now with about 400 bucks worth of stuff. Wife just got paid yesterday. Looks like I'll be applying. I also have a bunch of new GE accounts that I just opened. 3 to be exact. Keeping my fingers crossed,

good luck keep us updated hope you can still use the 30%...

afbar1114 — Sun, 21 Oct 2012 04:04:05 GMT

good luck keep us updated hope you can still use the 30% off if u dont get it

Re: I'm at Kohl's, should I apply?

pinoyscorpion951 — Sun, 21 Oct 2012 04:14:00 GMT

Wow! Cashier told the lady in front of the line she got declined. Said it rather loud too. This might not end up like I thought. Also, I have about 3 people behind me now. Crap!

Re: I'm at Kohl's, should I apply?

BearsAndTurtlesRtheBest — Sun, 21 Oct 2012 04:16:06 GMT

This is exicting!! DON'T DO it!

Re: I'm at Kohl's, should I apply?

migliogiorni — Sun, 21 Oct 2012 04:17:11 GMT

OH THE SUSPENSE LOL... *FINGERS CROSSED*

Re: I'm at Kohl's, should I apply?

BearsAndTurtlesRtheBest — Sun, 21 Oct 2012 04:17:56 GMT

My wife was approved back in Nov. 2009 with a 800 CL their perks are pretty good. Its an iffy one beacuse Cap1 is a weird bank when it comes to credit.

Re: I'm at Kohl's, should I apply?

creditnocash — Sun, 21 Oct 2012 04:19:01 GMT

well your paying for the stuff anyways. might as well go for it...

the bad thing would be if you gor approved but not enough for the purchases... dooooough!

Re: I'm at Kohl's, should I apply?

pinoyscorpion951 — Sun, 21 Oct 2012 04:26:11 GMT

Palms sweating. Wife just found 30 dollars more in Kohls cash hidden in a pocket inside her purse. Still valid. Just confirmed with an associate that we can stack all of them with the 30 percent. That makes 50 dollars worth of Kohls cash for this transaction. I'm next in line.

Re: I'm at Kohl's, should I apply?

BearsAndTurtlesRtheBest — Sun, 21 Oct 2012 04:26:21 GMT

what happened!?!?!?!?!?! ahhhhhh so nerve wrecking

Re: I'm at Kohl's, should I apply?

Anonymous — Sun, 21 Oct 2012 04:31:03 GMT

Unless I am mistaken (and this is possible) Kohl's still handles the underwriting decisions for these cards. CO just acts as a funder and servicer.

Re: I'm at Kohl's, should I apply?

creditnocash — Sun, 21 Oct 2012 04:35:23 GMT

@Anonymous wrote:
Unless I am mistaken (and this is possible) Kohl's still handles the underwriting decisions for these cards. CO just acts as a funder and servicer.

+2 c1 is just a funder...

and suspense is killing us...

this thread is better then the story time one...

Re: I'm at Kohl's, should I apply?

pinoyscorpion951 — Sun, 21 Oct 2012 04:37:37 GMT

O.... M..... G!!!!! Here are the facts. 13 months post bk. Numerous new accounts opened in the last 6 months. Lost of credit repair post bk and FINALLY after the 5th try. "Congratulations sir, you've been approved for a Kohls credit card!" Starting credit limit......... 800 dollars! Hahaha! Thank you Kohls and thanks everyone for sharing in this moment!

Re: I'm at Kohl's, should I apply?

BearsAndTurtlesRtheBest — Sun, 21 Oct 2012 04:38:26 GMT

party at my house!!!!!!!! lol congrats!!!!!

Re: I'm at Kohl's, should I apply?

afbar1114 — Sun, 21 Oct 2012 04:39:08 GMT

Congrats