The easiest way to apply for the Kohl's Credit Card is online. You’ll need to provide some personal information, but it shouldn’t take you more than a few minutes to complete the application.
You can also apply for a Kohl's Credit Card in-store, by talking to a cashier or customer service agent. They will give you a paper application form, and you'll need to provide the same information as you would online. You cannot apply for this card over the phone.
Fill out your name, address, phone number, Social Security number, date of birth, annual gross income, and email address.
Review the disclosures. This tells you your interest rate and other important information.
Click “Review,” and review your application.
Submit your application. You will often get a decision instantly.
Keep in mind that the Kohl's Credit Card requires at least fair credit for approval. If you are unsure about getting approved, you can check to see if you’re pre-qualified for the Kohl's Credit Card first.
The Kohl's Credit Card approval requirements include a credit score of 640 or higher; this means you need at least fair credit to get approved for this card. Keep in mind that the issuer will also consider your credit history, income and existing debt obligations when making a decision.
What you should know before applying for the Kohl's Credit Card:… read full answer
It’s a good idea to see if you’re pre-qualified for a Kohl's Credit Card before you apply. Pre-qualification can give you a good idea of your approval odds, and it doesn’t count as a hard pull on your credit. Pre-qualification doesn’t guarantee that you’ll be approved, but it does indicate that your chances of getting approved are very high if you apply.
The Kohl's Credit Card uses any of the three major credit bureaus for credit card approval: Equifax, Experian or TransUnion. In some cases, the Kohl's Credit Card pulls from more than one credit bureau when considering your application.
So, make sure all of your reports are in order. Remember that you are entitled to one free report from each of the three major credit bureaus every 12 months. This will provide an opportunity to check for any incorrect or outdated information on your credit report.… read full answer
The credit score that you need for the Target Credit Card is 640, at a minimum. That means at least fair credit is required for approval. Note that the Target Credit Card can only be used to make Target purchases, in-store and online.
When you apply for a Target Credit Card, your credit score is one of the major factors that the card’s issuer will consider. But it’s not the only factor. Your income, employment status, debts, and housing information matter, too. But your odds of approval are generally higher if you have a credit score above the 640 mark.… read full answer
Here are the Target Credit Card requirements for approval:
Minimum credit score: 640+ (at least fair credit)
Age requirement: 18 years old
Income requirement: Enough to afford monthly payments (wages, investments, etc.)
Citizenship: Must be a U.S. citizen with a valid Social Security Number
Bank account requirement: Must have a checking account at a bank in the U.S.
You can apply for the Target Credit Card online or in person at a local Target store. You may be approved instantly if your doesn’t require application additional review. Otherwise, it can take 7-10 business days to receive a decision.
If approved, you will also be able to make purchases right away. You will receive a temporary credit card to use until your actual card arrives.
Here’s what you should know about the Target Credit Card:
The Target Credit Card gives you a 5% discount at Target and Target.com. You’ll also get 30 extra days for returns and free two-day shipping on Target.com orders. The card also offers a $0 annual fee.
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