Customers apply for a Kohl's credit card by entering the required information on the Kohl's Corporation website. Customers also have the option of printing and sending an application or applying in person at a Kohl's department store.
The application process requires personal information, such as the applicant's Social Security number, date of birth and annual gross income. This information determines the applicant's eligibility for credit with a Kohl's Charge account.
Online applications are processed as soon as they are submitted. Most applicants receive an answer within 60 seconds of applying, but some applications may require additional processing. Applicants who do not receive an immediate response get a mailed response within 30 days of applying for the Kohl's Charge card.
When applying in a Kohl's store, an employee processes the application to determine if the applicant qualifies. The applicant needs a photo ID and a major credit card to apply in person. A decision is made as soon as the credit processing is complete.
An approved Kohl's Charge card holder has immediate access to the account upon approval. The applicant receives a temporary credit card number that works both in stores and online. The user must present a photo ID to use the temporary Kohl's Charge number in stores.