The Kohl's Credit Card approval time can be anywhere between a minute and 30 days. When submitting an application, the issuer generally attempts to provide a decision instantly, but some applications require 30 business days to be evaluated until a decision is reached. You can also check your Kohl's Credit Card application status.
Getting pre-qualified may speed things up when submitting an actual application. You can check for Kohl's Credit Card pre-qualification online. This has no impact on your credit score, as it is based on a soft inquiry on your credit report. Getting pre-qualified will flag your application accordingly. Remember that while pre-qualification indicates good odds of approval, it does not guarantee it. And an actual application will result in a hard inquiry, which can temporarily cause a dip in your credit score.
The Kohl's Credit Card approval requirement is a credit score of 640 or higher; this means you need at least fair credit to get approved for this card, in most cases. Keep in mind, though, that credit card issuers also consider your credit history, income and existing debt obligations when making approval decisions.… 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. That said, just because you’re pre-qualified doesn’t mean you’ll get approved – it just means you’re likely to get approved.
It can take up to a few weeks to get the Kohl’s Credit Card.
The good news is that you can use it even before it arrives in the mail. Once approved for the Kohl’s account, you can use it by presenting a valid ID in any of Kohl’s store locations.… read full answer
If you haven’t received your card yet, and want to shop online, call (855) 564-5748 for assistance.
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.… read full answer
Here’s how to apply for a Kohl's Credit Card online:
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.
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