topic Re: Finally Approved for Kohl's Store Card! in Credit Card Approvals

Finally Approved for Kohl's Store Card!

Anonymous — Tue, 28 Jun 2016 10:43:21 GMT

I applied a little over 30 days ago for the Kohl's card and was denied. Initially, I was going to wait until Black Friday in November to reapply hoping my low credit scores will be a little higher. However, after checking CK and TU, I noticed that two of my charged off credit cards that were making my utilization percentage 163% was no longer being factored into my credit card utilization. To date, I still don't know why that happened! The cards are not in collections and are still unpaid with FP Bank. I'm not going to stress over it. I'm just happy that everything has been adjusted and I will wait patiently for them to fall off my credit report.

After finding out this info, I went on a mini app spree to see if I would get any approvals. My credit card utilization is still high (98%)...I'm paying off the balances in July. In spite of, Comenity Bank was really good to me! Small limits, but a start and I'm keeping the utilization 10% or less per month just to keep the cards open. So this past Friday, I got to thinking...I wonder if Cap1 will give me that Kohl's card now. Gave it a shot again...applied online and received instant approval for $300!!! I'm super excited. This limit is more than enough for me. I shop Kohl's a lot during the holidays and have always missed out on additional savings due to needing to have the card.

Thanks to everyone! If it wasn't for this forum, I probably wouldn't have stepped out on faith with another app, especially since I had applied 30 days ago and received a denial.

Re: Finally Approved for Kohl's Store Card!

wantmoremoney — Tue, 28 Jun 2016 12:16:52 GMT

Congratulations!! An approval no matter the amount is always better than a Denial!!!!

Re: Finally Approved for Kohl's Store Card!

Anonymous — Tue, 28 Jun 2016 13:21:46 GMT

Congrats to you! Enjoy all of your new cards!

Re: Finally Approved for Kohl's Store Card!

jamevfan — Tue, 28 Jun 2016 19:17:37 GMT

Congrats

Re: Finally Approved for Kohl's Store Card!

morgacj2004 — Tue, 28 Jun 2016 19:29:13 GMT

Congrats! 3 k is the highest limit you can get on that card.

Re: Finally Approved for Kohl's Store Card!

alextercero — Wed, 29 Jun 2016 00:48:01 GMT

Congrats

Re: Finally Approved for Kohl's Store Card!

RonM21 — Wed, 29 Jun 2016 10:02:45 GMT

Congrats!

Re: Finally Approved for Kohl's Store Card!

Anonymous — Thu, 30 Jun 2016 02:01:19 GMT

Congrats. You might be eligible for a CLI close to black Friday.

Re: Finally Approved for Kohl's Store Card!

Anonymous — Thu, 30 Jun 2016 03:26:30 GMT

Congrats.

Most of their cards seem to start at $300. But there is room for growth. I started off at $300 a couple years ago, and am currently at $2500.

Not even sure I'm going to try for any more CLI luv, as the CL maxxes at $3k.

I'd say try for a CLI right before Black Friday (you actually have to send an email to Cap 1 via the website to get a CLI, but like I said, it grows if you take the time)

Re: Finally Approved for Kohl's Store Card!

Vegas4Play — Thu, 30 Jun 2016 11:21:46 GMT

Congrats to you !!!

Re: Finally Approved for Kohl's Store Card!

CountryLivin — Sat, 02 Jul 2016 04:02:20 GMT

I burned them 27 years ago and they still won't forgive me!

Re: Finally Approved for Kohl's Store Card!

Anonymous — Sun, 03 Jul 2016 09:53:34 GMT

@Anonymous wrote:
Congrats.

Most of their cards seem to start at $300. But there is room for growth. I started off at $300 a couple years ago, and am currently at $2500.

Not even sure I'm going to try for any more CLI luv, as the CL maxxes at $3k.

I'd say try for a CLI right before Black Friday (you actually have to send an email to Cap 1 via the website to get a CLI, but like I said, it grows if you take the time)

Is it a SP?

Re: Finally Approved for Kohl's Store Card!

surferchris — Sun, 03 Jul 2016 16:10:21 GMT

@CountryLivin wrote:
I burned them 27 years ago and they still won't forgive me!

LOL, that sucks!

Re: Finally Approved for Kohl's Store Card!

surferchris — Sun, 03 Jul 2016 16:13:11 GMT

Congrats on the approval!

Just an FYI, sometimes when a CO shows the credit limit and the charged off balance, FICO includes that in your utilization, so that's why that happened to you...

Re: Finally Approved for Kohl's Store Card!

Anonymous — Sun, 03 Jul 2016 18:53:43 GMT

Congrats on your approval!

Re: Finally Approved for Kohl's Store Card!

Anonymous — Mon, 04 Jul 2016 04:56:55 GMT

@Anonymous wrote:
@Anonymous wrote:
Congrats.

Most of their cards seem to start at $300. But there is room for growth. I started off at $300 a couple years ago, and am currently at $2500.

Not even sure I'm going to try for any more CLI luv, as the CL maxxes at $3k.

I'd say try for a CLI right before Black Friday (you actually have to send an email to Cap 1 via the website to get a CLI, but like I said, it grows if you take the time)

Is it a SP?

It is. (I should add that a SP is NEVER guaranteed, but I have never heard of anyone getting a HP on a CLI for this or any other Cap One card).

Also, I went ahead and pulled the trigger, and now am maxxed out at a $3k CL on this acct. It definitely grows (at least until now) if you regularly hit the LUV button.

Re: Finally Approved for Kohl's Store Card!

Anonymous — Mon, 04 Jul 2016 16:41:04 GMT

@surferchris wrote:
Congrats on the approval!

Just an FYI, sometimes when a CO shows the credit limit and the charged off balance, FICO includes that in your utilization, so that's why that happened to you...

The weird thing is...the credit limits are still showing. Nothing changed about the reporting except for the utilization.

Re: Finally Approved for Kohl's Store Card!

Anonymous — Fri, 15 Jul 2016 03:40:57 GMT

Congratulations!

I believe you have to have the card 6 months before you are eligible for an increase, atleast thats what they sited as the denial in my letter.

I love that they have a luv button now, its even avialble in their app!