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I went to Kohl's one day and I was checking out and the cashier said, "Oh, we are playing a game today. You can scratch off and get an extra 10-40% off your purchase."

I said, "Okay. . ." and she asked for my drivers license.

I didn't think anything of it and handed it to her and then when I saw the check-out receipt it said something about opening a new Kohl's charge card.

I said, "Wait, I don't want to do that. My wife already has one and I don't want people inquiring into my credit as I may be refinancing a house."

The cashier apologized and I took it a step further and I got the manager and said I thought the entire process was deceptive and that it was a management problem, not a worker problem (he immediately asked who it was) and he apologized, said it would be taken care of, and I accepted his apology.

I asked like 5x that no charge card would be opened.

Well. . .you can see where this is going.

I got a Kohl's charge card today in the mail. Obviously, it was not taken care of.

You can bet I'll close the account and go raise some holy hell at Kohl's when I go back and I'll be inconvenienced and just write a letter closing the account.

But I find that a better action is to report them to a regulatory agency. I find that complaints there work better than internal complaints.

(I had an issue with the local gas co. and I reported them to the Board of Utilities)

Do you know any agency that a credit card co. is regulated under that would cause them. . .oh, I don't know. . .about 3-5X the headache I have to go through?