Kirkland’s is a retail chain store that mainly deals in the sale of furniture, accessories, home décor, gifts, and textiles. Two cousins, Carl Kirkland and Robert Kirkland created it in the United States in the year 1966. It began as a small store that sold home accessories at low prices in Jackson, Tennessee, and has grown to the big brand it is. Currently, the brand owns and operates over 430 retail stores and an e-commerce website in almost 37 states across the country. Let’s learn ‘What Credit Bureau does Kirkland use?’.
What Credit Bureau does Kirkland use?
Kirkland’s uses three different types of credit bureaus to check and report their client’s credit card activities;
- Transunion
- Equifax
- Experian
These are the three major credit-reporting firms that collect information on consumer individuals and report consumer credit activities, provide fraud protection services, conducting market credit surveys for both consumers and business entities.
What is a credit bureau? A credit bureau is an agency that collects and gathers data concerning account information and credit ratings of individuals and makes the information accessible to the consumer reporting agency for example financial companies and banks.
What is the Kirkland’s Credit Card?
Wells Fargo Bank has partnered with Kirkland’s to offer Kirkland’s customers a store credit card. Use Kirkland’s credit card to purchase products both online and in stores and pay off bills. For one to be issued with a Kirkland’s credit card one has to be over 18 years and be able to give proof of a current income or have someone who can be your co-signer.
Persons who earn over $35,000 annually are qualified to get the Kirkland’s credit card. For you to also qualify to get the Kirkland’s credit card you need to have a credit card score of at least 630 and above.
Is having a Kirkland’s Credit Card Convenient?
Having a Kirkland credit card has its advantages and disadvantages.
The advantages are;
- Cardholders are given a 5% off every day for in-store purchases.
- Receive an early notice on sales and promotions.
- With your Kirkland’s credit card you get a chance to earn points on Kirkland’s purchased items i.e. 1 dollar = 2 points.
- Cardholders get coupons and special shopping events at no monthly fees.
- No annual fees are involved.
- Easy to manage your online accounts and bills.
The challenges of having a Kirkland’s credit card are;
- You do not get to earn rewards whenever you purchase a product.
- The cardholders receive 5% discounts for in-store purchases and this discount is not valid for online purchases.
- They do not give cardholders sign-up bonuses.
- The Kirkland credit card does not give cashback or rewards.
How does one apply for the Kirkland Credit Card?
Do you want to apply for the Kirkland credit card? Here are the steps on how to apply. First, you will need to provide a government identification card and your social security number. Here are the steps;
- Visit the Kirkland website
- Go to the Kirkland credit card page.
- Click “learn more and apply”
- Go ahead, fill out the application form, and give the required information.
- Proofread the given information to check if it is accurate, and then apply.
- Wait for the approval.
You will receive an SMS after the approval of your application.
How do I log in to the Kirkland Credit Card page?
The Kirkland credit card offers its users an option to log in to their accounts online and be able to manage their bills and accounts. Here is how you can log in to your account;
- Visit the Kirkland credit card website.
- Go to my account option.
- The login page will be displayed.
- Go ahead and fill out the user name and password details.
- Then click on the login sign and you will have access to your Kirkland’s credit card account.
In case you forget your login details i.e. your password or username, there is a recovery option on the log-in page that will help you to recover the details. Keep the login information secure since you will require them when making credit card payments.
Frequently Asked Questions?
- How long does it take for one to receive the Kirkland credit card after application?
After you apply for the Kirkland credit card and the application is approved, it typically takes about 7 to 10 days for one to receive their credit card. Kirkland will deliver your credit to the destination of your choice.
- What is the credit score required for one to qualify for a Kirkland credit card?
Kirkland requires applicants of the Kirkland credit card to have a credit score of about 630 and above.
- What kind of payments are accepted at Kirkland stores?
Kirkland store accepts the following kinds of payments in their stores and online are credit cards only issued by the United States banks and they are; American Express, Discover, Visa, and MasterCard.
- Does Kirkland offer financing options?
No, Kirkland stores do not offer their clients any kind of financing options for the purchase of their merchandise.
