A new credit scoring model will potentially boost scores for many credit applicants and help establish credit for millions of people who previously had little or no credit history. The new scoring model will be used in the latest version of the VantageScore, the credit score created by the three major credit bureaus — Experian, Equifax and TransUnion.

The Kohl’s credit card is designed specifically for their customers to shop in-house. Though administered by Chase Bank, it is not affiliated with MasterCard or Visa, so cannot be used in any other locations. Because of the diversity of their products however, this poses no big problem, as you can buy just about anything at Kohl’s.

The Target® REDcard gives rewards and benefits to Target customers. Cardholder benefits may include 5% rewards on Target shopping trips in stores and online, cash back rewards converted to donations toward education, Target Pharmacy® Rewards, SafetyNet card protection, and REDcard Online Management.