topic Re: Success with Kohl's CLI after threatening to close? in Credit Card Applications

Success with Kohl's CLI after threatening to close?

Anonymous — Wed, 09 Mar 2016 18:46:05 GMT

Has anyone had success with a CLl from Kohl's? I can't seem to get them to raise my CL from $300. If I threaten to close account, would that do any good??

Re: Success with Kohl's CLI after threatening to close?

jacetx — Wed, 09 Mar 2016 18:58:25 GMT

@Anonymous wrote:
Has anyone had success with a CLl from Kohl's? I can't seem to get them to raise my CL from $300. If I threaten to close account, would that do any good??

Unfortunately no, Capital One would not care if you closed it. Are you putting enough spend through it every month to justify a CLI?

Re: Success with Kohl's CLI after threatening to close?

Anonymous — Wed, 09 Mar 2016 19:12:59 GMT

How long has your card been open? I barely use mine but at 6 months mine went from 300-700 then around 3 months later I got it to 1500. I only used it once since that first increase.

They will not give an increase if you card hasn't been open for 6 months.

Re: Success with Kohl's CLI after threatening to close?

yoyo — Thu, 10 Mar 2016 12:30:12 GMT

I got my first increase at the 5th month. Try to wait until then..be careful for it could be a hard pull

Re: Success with Kohl's CLI after threatening to close?

Anonymous — Fri, 11 Mar 2016 03:28:06 GMT

I probably didn't get my first CLI for over a year (stuck on like $300 or 400), then up to $700, then to $1500 (might have been two CLIs to get that jump), then just got a bump to $2500 last week. I think my card is well over 2 years old. And I use it enough to have been upgraded to the frequent shopper account.

Re: Success with Kohl's CLI after threatening to close?

Aprile421 — Fri, 11 Mar 2016 16:13:55 GMT

I got my Kohls card around 3 years ago. I got approved with a $300 limit. It sat at 300 until May of last year they upped me to $700, in Nov they upped me to $1500 and just a few days ago I hit the button for fun and I got another $1000 increase putting me to $2500. I use the card once a year in December my son loves to go shopping there and for his birthday we have a tradition I give him the card and let him get whatever he wants from there. He is very good and usually only spends maybe $200-$300 on clothes which he needs. I pay it off in a month or two and that's all the usage that card sees. So I don't think heavy usage matters with Kolhs because I for sure don't have heavy usage at all.

As far as saying you're going to close it if you don't get an increase. I am going to bet they say sorry you feel that way and we will close your account for you, have a nice day.

Re: Success with Kohl's CLI after threatening to close?

Chris0321 — Fri, 11 Mar 2016 18:34:35 GMT

I was stuck at the same CL of $300 for about a year with Kohls. Recently i went and did the LUV button and my limit was increased to $700. My wife has had her card about 5 months less than me and after i got mine, had her go and try and she got the same increase from 300 to 700. Not sure if there was any specific time frame as we both got our cards at different times.

Re: Success with Kohl's CLI after threatening to close?

FinStar — Sat, 12 Mar 2016 18:43:31 GMT

@jace8602 wrote:
@Anonymous wrote:
Has anyone had success with a CLl from Kohl's? I can't seem to get them to raise my CL from $300. If I threaten to close account, would that do any good??
Unfortunately no, Capital One would not care if you closed it. Are you putting enough spend through it every month to justify a CLI?

Agree.

OP, if they call out your bluff, then your card will be closed and you'd be SOL (if you even care to keep the card). So, best to approach the CLI with a different mindset and see how you can leverage this as others suggested.

Re: Success with Kohl's CLI after threatening to close?

Scott_S — Mon, 14 Mar 2016 05:40:24 GMT

Like others I started at $300 and took over a year to get a bump to $700. Been denied twice for CLI's over the past 6 months, but my balance has been zero and I never really used the card very much and haven't charged much either, so maybe my use hasn't warranted an increase....

Re: Success with Kohl's CLI after threatening to close?

Anonymous — Tue, 15 Mar 2016 14:16:30 GMT

Yes, I use it quite frequently and end up paying most of it off within a few months.

Re: Success with Kohl's CLI after threatening to close?

GetMeSlick — Tue, 15 Mar 2016 19:39:51 GMT

@Anonymous wrote:
How long has your card been open? I barely use mine but at 6 months mine went from 300-700 then around 3 months later I got it to 1500. I only used it once since that first increase.

They will not give an increase if you card hasn't been open for 6 months.

I m still staying in the $700 category for more than a year. i have this card opened from last 2 years. Do they go for HP if i request a CLI? Call or Luv button if so?

Moreover, every month i put avg of $70-$80 and pif..

Re: Success with Kohl's CLI after threatening to close?

Anonymous — Wed, 16 Mar 2016 04:25:20 GMT

That sucks. My increase was a SP and I haven't used my card in months.

Re: Success with Kohl's CLI after threatening to close?

Anonymous — Wed, 16 Mar 2016 23:11:12 GMT

Just be patient. I started off at $300 too. Am at $3k now. Heard that it's the max which is okay cause I have Macy's and this summer I'll request another increase.

Re: Success with Kohl's CLI after threatening to close?

Jesi — Wed, 15 Jun 2016 13:23:27 GMT

UGH, I've had mine for 2 1/2 years. I use to use it a lot, I paid it on time and they are definitely making money on my interest every month, usually around $5 a month. I've been trying to get an increase and now I'm just starting to get mad. This was my first store card and I've gotten NO increase. Stuck at $300 and I've since gotten lots of store cards all in the thousands so it's kind of aggravating at this point. I found I don't even shop there anymore because of it. You'd think they'd increase the line seeing as how it hasn't been used in months but nothing. Even requested by clicking the button and same old same old.

Re: Success with Kohl's CLI after threatening to close?

RonM21 — Wed, 15 Jun 2016 22:10:29 GMT

Sounds like ymmv with them, but more so on the side that they are a bit tough on increases and do not grow very well.

Re: Success with Kohl's CLI after threatening to close?

Jesi — Wed, 15 Jun 2016 22:46:10 GMT

YMMV?

Re: Success with Kohl's CLI after threatening to close?

creditguy — Thu, 16 Jun 2016 00:48:42 GMT

@Jesi wrote:
YMMV?

your mileage may vary or your results may vary

Re: Success with Kohl's CLI after threatening to close?

creditguy — Thu, 16 Jun 2016 00:53:36 GMT

Kohls is definitely a tough nut to crack. I started with a $1K CL while people I know with better scores started at $300 and stayed there. I recently asked for a CLI and was denied for a laundry list of reasons including something about real estate. A month after that I was given an auto CLI of $2K for a CL of $3k which is as high as a Kohls card will go. Really weird but hey I didn't complain. I had no method, I simply used the card and paid it off, there is no real science to it as far as I can tell, just use it and pay it off and keep asking for CLI's, Good Luck.