Kohl's Charge Card Instant Application Process?
I applied online for a Kohl's Charge card and expected to receive an instant approval. Instead, I got a generic message indicating that I should call a 1-800 number. I called the number and my application was approved and I received a temporary account number.
Now, I tried to probe as to why I had to do this, and of course I got generic 'for your security' answers. I also asked directly whether everyone had to do this. I was told 'yes'.
When I called I had to repeat everything in my application 'to verify my information' over the phone. After she approved it, she asked for my email address and I said I already gave it on the online form. 'I don't have it, it was in the application process'. 'What's the point to the online application then?' 'It's for your security'...
So, my guess: my application got flagged (false positive) for some reason. Perhaps I answered one of the credit check questions wrong. And the rep flat-out lied to me about this process being normal. Any thoughts? Anyone gotten an instant approval without having to call?
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I applied right in the store and was approved in the store within about 10 minutes. This is probably easier and takes less time than applying online. Leaving my email information was optional, not needed to make an application at the store and I didn’t have to call anyone. I don’t know why they went through all of that other stuff for your card. Maybe the person you had to answer the questions for was new at her job and shouldn’t have asked all of that.