topic Re: Kohl's CLI Denied for Nonsense reasons in Credit Card Applications

Kohl's CLI Denied for Nonsense reasons

kiea — Fri, 16 Mar 2018 22:59:48 GMT

Denial Reasons (currently have a 0 balance on this card):

Presence of Bankruptcy (I filed on 4/4/17 and was discharged on 7/20/17...I opened this card on 9/9/17 so the bankruptcy was on my report when they approved me)
No usable real estate accounts (I don't know what this has to do with a CLI but okay)
Open installment account balance/ Credit amount ratio is too high (This one I can agree with I have a large school loan balance and a auto loan)
Available credit on open revolving accounts is too low (I'm not sure what this means. I'm currently at 18% ulitization. I only have $1950.00 total credit limit...I guess this mean I need higher limits. When I opened the card I only had 1 credit card open and that was Credit One with a $300.00 limit so if that true then it make no sense.)

I'm taking it slow and I will not be opening any more cards until after the summer (at that time I hope to replace my Credit One & 1st Premier cards with something better) but I was hoping to get an increase. Guess I have to try again in a few months.

Re: Kohl's CLI Denied for Nonsense reasons

Anonymous — Fri, 16 Mar 2018 23:23:38 GMT

Kohls is horrible. Comenity cards grow a lot quicker. I ditched my Kohls card at 5 months as it still had a 250 dollar limit.

Re: Kohl's CLI Denied for Nonsense reasons

gdale6 — Sat, 17 Mar 2018 00:18:36 GMT

Opened mine in 2009 with 300 CL. Last year I asked for CLI online it was denied so I called to cancel the card. The letter came a week later and the reason for the denial was : We just want to make sure its you requesting the CLI... LOL..... Cap1 is the bank that offers the credit so that is most of their problem with limits and CLIs.

Re: Kohl's CLI Denied for Nonsense reasons

Anonymous — Sat, 17 Mar 2018 00:19:57 GMT

How long has your Kohl's been open? I started at $300 Jan 2017 and was unsuccessful until August 2017 with a cli. And just go another one last month, now sitting at $1500. Time seems to be the party favor for me on this one.

Re: Kohl's CLI Denied for Nonsense reasons

Anonymous — Sat, 17 Mar 2018 00:52:04 GMT

Hey bro, word of advice... Do not get a Kohl's card... It's really not worth it.

Re: Kohl's CLI Denied for Nonsense reasons

AverageJoesCredit — Sat, 17 Mar 2018 01:01:31 GMT

Even when you can get a card with a bk showing, that will be a built in ready to go excuse to not grant cli. Being within the first year after bk also makes it fresh for a lender who may give a new chance but may be wary of extending too much too soon.

Re: Kohl's CLI Denied for Nonsense reasons

ToughFistFight — Sat, 17 Mar 2018 14:53:16 GMT

Building credit is a marathon, not a sprint. It takes a lot of time. Keep that card. Even if you charge on it rarely. It will help your average age of accounts in the future and your utililization. Even if it is a low starting limit.
I didn't think about my credit for three years and the only card I had was a Kohls. It started at 300. It is now 3000. I have only had to ask for one credit line increase. The rest were given. I built my 720 score with a frigging store card.
Don't knock it till you try it.

Re: Kohl's CLI Denied for Nonsense reasons

TaterDawg — Sat, 17 Mar 2018 21:35:06 GMT

Got my Kohl's as my fourth card five-and-a-half years ago, with a $400 limit. Five years later it's up to $3000. Have never gotten an auto CLI, and I usually get denied an increase two out of three requests. The last increase was for $1000, but previously it was usually $300-500 at a time.

Re: Kohl's CLI Denied for Nonsense reasons

Anonymous — Sat, 17 Mar 2018 23:17:17 GMT

Be Patient it will hopefully grow eventually.

I get the same real estate and balances reason and I have higher credit limits and more than $30,000 in available credit. SO I do not think the fact that your limits only amount to $2,000 is why they gave that reason.

Comenity does not always grow faster my Comenity Goody's is growing a lot slower than my Kohls did.

Re: Kohl's CLI Denied for Nonsense reasons

Anonymous — Wed, 16 May 2018 14:50:30 GMT

I've been denied twice now with Kohl's. SL $400 and No CLI's ever. Had the card almost 6 years now, 720 FICO score, higher salary than when I got the card. I have no idea what there issue is.

Re: Kohl's CLI Denied for Nonsense reasons

Berk — Wed, 16 May 2018 15:13:53 GMT

Had my Kohl's card for years with a 1K limit. Never got a single CLI - requested or auto. All the denial reasons were just as ridiculous. Cap 1 finally closed the account last year due to non use. I had completely forgotten I had the card until I got the email stating they were closing it.

Absolutely worthless card in my most humble opinion.

Re: Kohl's CLI Denied for Nonsense reasons

jlitnns — Wed, 16 May 2018 15:48:17 GMT

I've had my Kohl's card for just about a year. I use it every 3 months or so for $100-$150. Tried for a CLI 3 times and all denied. Logged in to use it last week and I got double, from SL of $1k -->$2k.

We have 4 kids so when they have coupons that stack with clearance items we can really clean up.

Re: Kohl's CLI Denied for Nonsense reasons

Adkins — Wed, 16 May 2018 17:41:06 GMT

@jlitnns wrote:
I've had my Kohl's card for just about a year. I use it every 3 months or so for $100-$150. Tried for a CLI 3 times and all denied. Logged in to use it last week and I got double, from SL of $1k -->$2k.

We have 4 kids so when they have coupons that stack with clearance items we can really clean up.

This is what I do, too! I wait for sales & clearance items. I just mashed the CLI button, no dice today though.

Re: Kohl's CLI Denied for Nonsense reasons

Pikaboo-icu — Wed, 16 May 2018 18:29:27 GMT

I agree with the consensus.

Kohl's is abysmal at CLI.

I get the same lame excuses- I stopped trying..

Eventually I'll just close the account.. It's pointless save for the few perks when I shop there at Christmas.

Re: Kohl's CLI Denied for Nonsense reasons

creditguy — Wed, 16 May 2018 18:51:23 GMT

Whenever I read that real estate reason for a CLI denial I can't help but laugh a little, pretty odd reason for a department store card. Anyhow Kohls can be a weird one. I got a SL of $1K with scores in the high 500's then six months later they gave me an auto CLI of $2k and my scores were in the low 600's. My wife on the other hand had a SL of $300 and moved up to $1500 in two years and her scores were better than mine. I think the key in my case was usage. I used mine pretty frequently and paid it down just as frequently. I would just use the card when it's useful to you and pay it off and wait to see if it grows on it's own, if not try for another CLI down the road and see what happens. Just do what is best for you,.

Re: Kohl's CLI Denied for Nonsense reasons

Berk — Wed, 16 May 2018 19:02:16 GMT

@Pikaboo-icu wrote:
I agree with the consensus.
Kohl's is abysmal at CLI.

I get the same lame excuses- I stopped trying..
Eventually I'll just close the account.. It's pointless save for the few perks when I shop there at Christmas.

I wouldn't bother. Eventually, Cap 1 will do it for you.

Re: Kohl's CLI Denied for Nonsense reasons

Anonymous — Tue, 22 May 2018 12:28:38 GMT

Got my "Denial Letter" yesterday and like everyone else the reasons were ridiculous. IT even sai dmy credti score from Experian was a 567!!!!! **bleep**. MY scores are over 700. Pretty worthless card an dI would recommend anyone to not waste your time with it.

Re: Kohl's CLI Denied for Nonsense reasons

FinStar — Tue, 22 May 2018 15:58:07 GMT

I've never experienced any issues with the Kohl's CC, even when it transferred from Chase to Capital One. Certainly not a product for everyone like any other lender.

@Anonymous, the score you see on the letter is not the same as the other existing FICO versions available. That's why you see a discrepancy if you're trying to compare FICO8 or FICO9 versions to what was provided via the denial.

Re: Kohl's CLI Denied for Nonsense reasons

Pikaboo-icu — Wed, 23 May 2018 03:39:40 GMT

Got my "you're outta luck", no soup for you, letter today.

Denied my request for; No real estate (DUH mortgage is in husband's name) but I have a car loan. /eye-roll

Also limits too high on revolving, baloney I'm at 4% total uti and under 5% on any card that has a bal. My total owed on cards under $2000., I just haven't paid them yet this month.

None of these make any sense at all. My score per their letter; 745

I shouldn't really care, I don't shop there much. Usually for Christmas & on their website.

Re: Kohl's CLI Denied for Nonsense reasons

Laceylashes — Sat, 26 May 2018 18:51:11 GMT

The second to last time I asked for a CLI on my Kohl's card they used my bankruptcy as a reason.

I just laughed it off because like you, I got my Kohl's card after my bankruptcy so I just felt they were being a little picky! I also really hadn't been using the card, just decided to ask for the CLI anyway.

I would say that was between 4-6 months ago, I don't exactly remember.

I asked again today for a CLI and was given a $1k increase.

I did make one purchase and pay it off fully in between the 2 requests.

I can't speak to the other reasons, but I would say give it a few months and try again!