The Kohl's Credit Card does not have purchase protection. In fact, purchase protection has never been a Kohl's Credit Card benefit, since Capital One has always opted to put other perks on this card. This is pretty common, unfortunately, as only around half of the major credit card issuers still offer purchase protection on at least one of their credit cards.
Although the Kohl's Credit Card doesn’t have purchase protection, applying could still make a lot of sense in the right situation. The Kohl's Credit Card has zero liability fraud insurance and a $0 annual fee. All in all, the Kohl's Credit Card is a good card for people who shop at Kohl's.
If you’re set on finding a good credit card for purchase protection, consider checking out the Slate Edge card or the Amazon.com Credit Card. Both credit cards have great purchase protection coverage, according to the most recent WalletHub purchase protection study.
Yes, the Kohl's Credit Card will do a hard pull. You will need a credit score of at least 640 to get it.
You can prequalify for the Kohl's Credit Card on Capital One's pre-qualification page, which will not affect your credit score as it will be a soft pull. However, if you do prequalify and want to get the card, you will need to submit an actual application which will result in a hard pull.… read full answer
A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people’s scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months.
The Kohl's Credit Card credit score requirement is 640 or higher. That means people with fair credit or better have a shot at getting approved for the Kohl's Credit Card.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Kohl's Credit Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.… read full answer
If you excel in other areas, you might be able to get approved with a slightly lower credit score in some cases. But it’s best to wait to apply until you meet the Kohl's Credit Card credit score requirement. You can check your credit score for free on WalletHub.
You can make a Kohl's Credit Card payment online, by phone, through the Capital One mobile app, by mail or at a branch. To pay a Kohl's Credit Card bill online, log in to your online account and click on “Pay My Bill.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Capital One does allow cardholders to set up automatic payments, too.… read full answer
Ways to Make a Kohl's Credit Card Payment
By phone: Call 1-855-564-5748 and enter your card information when prompted.
Online: Log in to your online account and click on “Pay My Bill.”
Through the mobile app: Log in to your account and select your card, then tap “Make Payment.”
By mail: Send a check or money order (but not cash) to Kohl’s / P.O. Box 60043 / City of Industry, CA 91716. Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
At a branch: You can make a payment at any Capital One branch during normal business hours.
At a store: You can make a payment at any Kohl's location.
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