Jump to content

WOW!!! A Kohl's charge AND a Visa Signature Card

Recommended Posts

:DLet me start by saying that I have not applied for any credit cards in 3 years because my credit was SHOT! For the last year or so I've paid every bill on time and MORE than the minimum due.

I was in Kohls about 3 weeks ago and on a whim I decided to apply for their credit card because I do the majority of my shopping there. To my surprise, I was approved instantly at the register!

Next, I decided that I wanted ONE major credit card. I applied for the Chase Bank Priority Club Rewards Signature Visa (Holiday Inn, Staybridge Suites, Crowne Plaza, etc). About a week or so after I applied I received a phone call from Visa questioning the CRAP One charge-off. I explained that it was a valid charge-off from 4 years ago but I am in dispute over the amount. My balance was $778 but CRAP One says I owe them $1258 so I haven't paid it. Well I knew after that conversation I wasn't getting approved.

After a few days I realized I hadn't received a denial letter so I called them just to see, and to my AMAZEMENT I was approved for the Chase Bank SIGNATURE VISA with a $5000 limit!!!!(The Signature is MORE prestigious than the Platinum!!!)

Getting my credit back on track is soooo liberating and has giving me a whole new outlook on credit.

FYI, Chase uses TransUnion. My credit scores were as follows:

EQ-623, EXP-621, TU-646

Link to comment
Share on other sites

Thats great to hear...You whats Sad !!!!! is that I have banked with Chase for nearly 12 years with no hot checks, no lates in like 10 yrs + and my TU score right now is 678......They have turned me down in the past twice.....Go figure.....But Congrats to you because thats a good card to have....:)

Link to comment
Share on other sites

This topic is now closed to further replies.

  • Create New...

Important Information

We have placed cookies on your device to help make this website better. You can adjust your cookie settings, otherwise we'll assume you're okay to continue.. For more information, please see our Privacy Policy and Terms of Use.