Kohls charge account

Anonymous · ‎01-31-2016

I just wanted everyone to beware of applying for this card. I have had this card for almost two years, and in that time i have purchased multiple items using the card. Always paid on time, never went over the limit, was very responsible with it. I just called customer service about getting a credit limit increase on this card, I started very low at 300.00. I have had issues with my credit, and I have been rebuilding for almost 3 years now. With that being said, I even have gotten American express, and discover and also 2 cap one cards ( and 3 store cards, Amazon, paypal, and Fingerhut) With all cards combined I have over 15k in credit.. Now Kohls never not once issued a CLI, I usually buy once every 2 months to keep it active. Spend probably 1000+ a year.. So just some advice on people that are rebulding... this card with NOT grow with you.. Keeping a card that has 300 limit, is not even worth using IMO. I know i will suffer a ding in my score by closing, but why keep a card if your not going to use it?

gdale6 · ‎01-31-2016

Kohls has some great discounts that come with the card. My card is also 300 since 2009, IDC about its limit if I need to buy more than 300 in a day i buy in multi transactions after paying it off on the spot.

jeffery581 · ‎01-31-2016

They will cli if you request a hard pull. If its worth it to you. Mine went from 400 to 1200

Anonymous · ‎01-31-2016

I tried getting a CLI last month (Dec 2015) and was denied...I have no baddies, or late payments etc,, its funny cause Cap one actually backs the card, and i have one of my cards with a 2500 limit..SMH #Crazy

Anonymous · ‎01-31-2016

@Anonymous wrote:
I just wanted everyone to beware of applying for this card. I have had this card for almost two years, and in that time i have purchased multiple items using the card. Always paid on time, never went over the limit, was very responsible with it. I just called customer service about getting a credit limit increase on this card, I started very low at 300.00. I have had issues with my credit, and I have been rebuilding for almost 3 years now. With that being said, I even have gotten American express, and discover and also 2 cap one cards ( and 3 store cards, Amazon, paypal, and Fingerhut) With all cards combined I have over 15k in credit.. Now Kohls never not once issued a CLI, I usually buy once every 2 months to keep it active. Spend probably 1000+ a year.. So just some advice on people that are rebulding... this card with NOT grow with you.. Keeping a card that has 300 limit, is not even worth using IMO. I know i will suffer a ding in my score by closing, but why keep a card if your not going to use it?

Sorry you've had such a hard time with Kohl's. It was the first card I got in my rebuilding process. I've had the card a little over 2 years and it started off at $300 like yourself and over time has grown to $3k which is the max. I have it cause I enjoy the discounts I receive and the Kohl's rewards. Can't say I blame you about closing it since it won't grow for you. I've closed a few Comenity cards for the exact same reason. I'm sure you'll find something else to replace it with. If it weren't for the fact that I have more than enough store cards, I would apply for JCPenney since it is Synchrony and is known to grow quickly.

Anonymous · ‎01-31-2016

Sorry to hear that you can't get a increase on your card. If the card doesn't work for you, then consider closing it. With the limit being so low, it won't hurt your score.

Anonymous · ‎01-31-2016

Funny story my mom got her card last year it was $300 up to $1500 now, after two CLIs during that time processed online. The DH got his card in August, scores are 100+ higher than moms but starting limit was $300, has not upped or grown each CLI has been denied. He refuses to use it now. We got it spear of the moment shopping for clothes in the store for a family event. The difference in their profiles he has more bank cards and higher limits and she has more retail cards all within $1000+...All of his retail cards are low...Odd scenario...Me I can't get it but got a Menards card backed by Capital One go figure always PIF....I do know they arent' the same as the Cap One Bank cards. So the underwriting is very different.