Let’s talk about that Kohl’s card. They push a button on their screen that says they can save you 40% if you are approved amd 25% if you’re not approved.

Well, I’m sorry. Coming from my standpoint and knowing how things work, that 40% is only off certain products, not everything (as is the 25% off). You don’t save on the name-brand clothes that they carry, only certain brands and things where that percentage applies.

And their interest rate on said credit card is 29.9%. I heard from so many customers that it is not worth it to apply for the Kohl’s card because of the hidden terms and agreements that you don’t get to read when you were at the register applying and you’ve got 30 people behind you waiting for you to finish so they can cash out themselves.

Managers and supervisors push and tell you how to sell the credit card and if you don’t get so many they don’t schedule you as many hours. They say if you don’t get at least one within a certain shift, you’re going to have a very long conversation at the end of said shift. They push and push and push because they get kickbacks in their checks and their bonuses at the end of the year for how many credit cards they get and how many people they can get to sign up for a credit card.

They are getting monetary kickbacks when they are only paying their regular cashiers $13 an hour to deal with the public, to deal with the backlash when it comes to light that that 40% does not apply to everything on their list.

They don’t care if it’s a child coming through the register line. They want you to push that credit card. They want you to get people to apply for that credit card.

I’m coming from the standpoint of trying to repair my credit. I am trying to get it in a spot to where I can eventually buy a house, maybe. That hit to your credit easily takes 10 points off your credit score. The discounts do not make up for the hit to your credit that may take over two years to recover from.

If we don’t offer the card the way they think we should, we get yelled at by our managers and supervisors because we didn’t get enough credit card applications in our shifts.

I encourage everybody that if you don’t want to apply for that card, don’t apply for that card. Don’t cave to the pressure. Don’t take the hit to your credit. If you say no, stand your ground. At most department stores, if you say no, they say, “OK, great, let’s go on.” At Kohl’s, they continue to push it and push it and push it and pressure you until you finally say yes. I encourage you say no to applying for a credit card that is going to ding your credit because let’s face it: not everybody’s making over $60,000 a year to be able to get approved for that credit card.

A fed-up customer service worker