Description: The following article is designed to talk about a kind of credit card called Kohl’s Charge Credit Card, the content mainly focuses on analyzing something about the card from different aspects including its advantages and disadvantages.
This is Hailey here, today I’m going to be doing another credit card review showing you about the pros and cons of a certain credit card. I did it before with the Victoria Secret credit card and if you haven’t seen that, I’ll have a link somewhere, so you can go and see that, if you are thinking about getting one of these credit cards or if you are thinking about closing it, you might want to close it, but today we are going to be talking about the Kohl’s credit card which is like the Victoria’s Secret credit card.
The Kohl’s credit card is a store, it is only credit card, you cannot use it at places that take Visa MasterCard, you can only use it at Kohl’s, so that can be a pro or con for some people, it can be a pro, because some people who maybe have problems with spending, they can’t use it in other places, they can discover or a Visa or a MasterCard card can, they can only use it at Kohl’s and they are limited to only using it at Kohl’s.
But it’s exactly like the Victoria’s Secret one, you can only use it at Kohl’s Akon for this, if you are looking out for a starter credit card, you can’t use it at the Walmart and Target in all these other places, you can only use it at Kohl’s, so it can be a good or a bad thing.
Another thing that I also like about Kohl’s is that I buy a lot of clothes at Kohl’s, because I do not like to spend that much on clothes, Kohl’s has everything on sale all the time, if you ever pay full price at Kohl’s, you have done something wrong.
But one thing I like about Kohl’s with my credit card is that once in a while, you get these in the mail, obviously, I have stretched out my name and address, but this one is for the summer, this sale starts on May 13th and goes through the 22nd, so it ended last week, get these in the mail.
I think every two weeks or so, it depends, I can’t remember their sales cycle, they’re going to do a Memorial Day sale, so I got another one, that was Memorial Day, that didn’t look like this, it was like $10 off everything, I think it is like 10 off of 25 which is still good, but you get these in the mail and then on this side, it has a pili, so you peel off the pili and you underneath it, either says 15 20 or 30 now.
What that means is that you can go to the store and you can get 15 20 or 30% off your entire purchase, when you use your Kohl’s credit card, you have to use your credit card on this purchase to get this discount and you can also use it online and that always has a code online, but you must use your Cole’s credit card to get this discount, that’s something that they do to get people to use the credit card.
There are some exclusions, they’re always on the back and most of the time, you can use it on anything, I used it or my grandma used it, when we bought my Roomba, we could not use it, when we bought a Fitbit a couple days ago, my sister and I went and we tried to buy Fitbit and get to use 30 and it would not work, so it depends on the brand.
I’m hoping lorac, they started carrying that cosmetic in my Kohl’s, I’m hoping it will work on that, but probably not, but we’re getting off topic, so you get these and you have to have a credit card to use these and you have to use your own credit card, you can’t use your mother’s, because one thing I like about Kohl’s is that they will check your Kohl’s charge card, because they scan it at the register, so they will check for four dollars worth of stuff that I put on my credit card and they ID me for it.
That’s nice to think of something that they will ID you for the credit card, because there’s no pin or anything else involved another thing that I like about Kohl’s which you do not have to have a credit card for, but it can sweeten the deal a little bit more for Kohl’s so often and usually it’s like 99% of the time, but I’m sure every time I go, they have what they call Kohl’s cash and that you spend so much and you get so much in clothes cash.
For this sale, they had for the third through the 20th, it was spin 50 and get 10, so if you went got $100 worth of items and you used your 30% off, you would spend $70 and then you get another $10 back in closed cash to use at the store later and the Kohl’s cash is always $10 off of 10, it’s not $10 off of 30 some places have like that hot topic and stuff, but it’s always $10 off of 10 or 20 off of 20, you’ve got to spin the whole Kohl’s cash, while you’re there, you would essentially pay $70 and you get $10 back making it $60.
You’ve already met, you’ve saved 40 percen by using this coupon and going to Kohl’s and using your charge card Khan for it is a store credit card, it does have a huge interest rate, it can range anywhere from 19 to 25 percent depending on your credit score.
My limit is $500 on mine, you can always go online and request a higher limit depending on what you are looking at? There’s a bird on my neighbor’s roof and Brucie was looking, but it does have a high interest rate, so if you are going to get one of these cards, make sure you can pay it off, you can also be with the Kohl’s, charge it automatically, put on your charge the same day.
It’s through Kohl’s, they don’t have to go through Visa or MasterCard, it’s less price, they don’t have to go through Visa or MasterCard, so once the transaction is finished and it is done, it is charged on to your card and they allow you to pay off your card at the same register.
If you’re wanting to so, if that’s something you like, I get my statements and I pay them off, you can do that, you can also do payments online with this for your minimum payment which is $35 a month.
If you are not planning on paying the whole thing or if your charge is less than $35, it’s whatever your balance, you can pay there in the store, you can pay online, you can mail off checks, you can get paper balances with them, but they suggest you go paperless because of everything that has been happening.
If you didn’t watch my stolen mail vlog, I got all mail stolen out of my mailbox and I learned about a week later, I had an important census letter in there which isn’t as important or as valuable as credit card information, but it was something, that was important and then I had the Census knocking on my door to a couple days later.
I didn’t know why I was freaking out and all this other jazz, so I suggest and they suggest you go paperless, you can do all that online, make an account online as well, coal’s also does have a rewards program, you don’t have to have a coles charge and you can earn more rewards like that.
The Kohl’s cash does expire, they used to accept expired ones, but now they do not have sad face, but you’re already saving 30%, I’m not sure, because it says left for details, so for these 30 and 20% off, I’ll read you some of the exclusions or whatever which means you cannot price match.
Coles does not price match, if it’s $10 this week and then it’s 12 third, then it’s $5 next week, you can’t go and get the difference, if you use the 30%, you can’t go and get the difference, Coles and Cole’s name brand are trademark to Coles, so it says it can’t be used on a Fitbit what we tried.
So there are a couple of friends, it can’t be used on this 30%, but it’s good, so if Coles is a place that you shop out a lot, my grandma buys all my clothes from Kohl’s and eventually I decided to get a credit card, so I could get these savings and I could go there and buy stuff for myself and save a little bit of money, because you will be surprised at how much money you spend at Kohl’s and how much you can save with this stuff.
You have to open up a Kohl’s charge, the credit score wise, it doesn’t have to be on the high end to get one, because it is a store card with the hire a PR, so that’s something to think about, so it’s extremely easy, you can do it online, you can apply online, you can apply in store as well and also if you do apply on line and you get approved, it takes about a week and a half to physically receive your card, but they will give you a temporary printout that you can print out.
You can go to the store and use it, then you won’t receive one of these bad boys until you get your physical card and you put into the cycle of things, I like this card which is like any other credit card, you want to make sure that you can pay your balance.
Kohl’s is starting to get much higher end brands which is like lorac. I want to go and get one of their palettes, I saw it there a couple of weeks ago, they were setting up their display, so I’m hoping to get one of their palettes and hoping to be able to use my next percentage off.
You won’t always get thirty percent, I have gotten twenty percent before I’ve never gotten to fifteen. I haven’t been spin prob about Christmas since I’ve had my card, so I’ve only been on their list for about six months, but I’ve gotten 20s and I’ve gotten 30s as well.
They’ve been helpful, if you have a nice sales associate which I’ve never had a bad sales associate, you can go on a stretchy, you can go on the first day, use this thirty percent and then they will give it back to you and you can keep, you can go back the next day and use it again until the promotion is over.
It also takes a lot of times, if you don’t get 30 percent, you can go on to RetailMeNot and people will post what the 30 percent off code is for online and you can use that as long as you use your Kohl’s credit card.
They’re giving you this discount for using their card, so they don’t have to go through Visa and MasterCard and all that I have seen online with a couple of things.
People are complaining about late fees and they’re overdue or their high interest rates, this is something that I think you should know, when you sign up for this credit card, it is upwards of twenty five percent.
It is not a credit card to keep a balance on, if you are needing a credit card to keep a balance on, I highly discover that it was the first card that I got approved, I like to discover if you need a credit card that you can keep a balance on, that’s not going to physically take the clothes off your back.
I would highly suggest discovering that Chase has a good one as well and those are both all-around credit cards, but that’s all I have to say about Kohl’s. I like my Kohl’s credit card. I don’t keep a balance on my Kohl’s credit card at all.
I don’t use it all the time. I go there, I shop and then I pay it off in the store which is nice, because you don’t have to worry about getting a statement, you will get a statement, it says you owe zero, your payment of zero is about whatever date, when the date comes, you owe zero, that’s all I have to say, I duper like uber, I like Kohl’s, I think it is a good credit card for someone who is younger to start out with to build credit.
But that’s all I have to say, if you have any questions, comments, concerns, feel free to leave those down below, also don’t forget to hit that like button, subscribe doing the savings, never pay retail again, I put out videos every Monday, Wednesday and Friday, so if you do not want to miss those videos, please hit that subscribe button, it helps out the show.
I can put out two more beautiful videos for you and make sure to follow my Instagram page as well, it’s been started, they’re going to come out the day after tomorrow, what they might be in a little peek of that as well, so don’t forget to follow me on Instagram and that stuff goes on my Twitter as well, but thank you so much for reading. I’ll see you next time.