topic Re: Kohls CLI denied. Wait 31 days? in Credit Cards

Kohls CLI denied. Wait 31 days?

Anonymous — Thu, 25 Aug 2016 21:48:06 GMT

My husband requested a CLI on his $600 Kohl's, but it was denied. I think I had the start date wrong, and he asked a couple days before 6 months. Does he have to wait 31 days after that denial to try again? I searched the forums and found one reference to that. Might it work if he just calls in instead?

He does have a 19month old Capital One Quicksilver at over 9k, so Capital One does see some value in him as a cardholder. This Kohl's is going to get closed if it doesn't get increased.

Re: Kohls CLI denied. Wait 31 days?

jacetx — Thu, 25 Aug 2016 21:56:47 GMT

@Anonymous wrote:
My husband requested a CLI on his $600 Kohl's, but it was denied. I think I had the start date wrong, and he asked a couple days before 6 months. Does he have to wait 31 days after that denial to try again? I searched the forums and found one reference to that. Might it work if he just calls in instead?

He does have a 19month old Capital One Quicksilver at over 9k, so Capital One does see some value in him as a cardholder. This Kohl's is going to get closed if it doesn't get increased.

What was the reason for the denial? Keep in mind that Kohl's is a HP every time for CLI requests.

Re: Kohls CLI denied. Wait 31 days?

Indycoltsfan — Thu, 25 Aug 2016 22:01:02 GMT

I have a Kohl's card and had got an increase at 12 and 24 months and I had to ask for those. Sitting at $1500 - 0% utilization

Re: Kohls CLI denied. Wait 31 days?

Anonymous — Thu, 25 Aug 2016 22:02:20 GMT

@jace8602 wrote:
@Anonymous wrote:
My husband requested a CLI on his $600 Kohl's, but it was denied. I think I had the start date wrong, and he asked a couple days before 6 months. Does he have to wait 31 days after that denial to try again? I searched the forums and found one reference to that. Might it work if he just calls in instead?

He does have a 19month old Capital One Quicksilver at over 9k, so Capital One does see some value in him as a cardholder. This Kohl's is going to get closed if it doesn't get increased.
What was the reason for the denial? Keep in mind that Kohl's is a HP every time for CLI requests.

I'm confused. It was denied because Kohl's requries 6 months before a CLI, and he asked a few days early. A quick search of the forums will show that most people report Kohl's is almost always a soft pull for CLI.

Re: Kohls CLI denied. Wait 31 days?

srloring13 — Thu, 25 Aug 2016 22:19:47 GMT

Has your account received 6 statements? If not, wait to request a CLI until after the 6th or 7th statement cuts. Typically you can request a CLI increase every 90 days or so and I believe most people max out at around $3,000.00 based on what others have shared.

Re: Kohls CLI denied. Wait 31 days?

Anonymous — Thu, 25 Aug 2016 22:47:28 GMT

@Anonymous wrote:
@jace8602 wrote:
@Anonymous wrote:
My husband requested a CLI on his $600 Kohl's, but it was denied. I think I had the start date wrong, and he asked a couple days before 6 months. Does he have to wait 31 days after that denial to try again? I searched the forums and found one reference to that. Might it work if he just calls in instead?

He does have a 19month old Capital One Quicksilver at over 9k, so Capital One does see some value in him as a cardholder. This Kohl's is going to get closed if it doesn't get increased.
What was the reason for the denial? Keep in mind that Kohl's is a HP every time for CLI requests.
I'm confused. It was denied because Kohl's requries 6 months before a CLI, and he asked a few days early. A quick search of the forums will show that most people report Kohl's is almost always a soft pull for CLI.

YMMV. When I got the card, it was 9-12 months before the 1st increase, but recently it has changed to initial increase about the 6th month, then every 3-4 months on increases until you reach $3k. If the card isn't working for your family, there really isn't any reason to keep it. I've had mine will be 3 years in December and I like it for the 30% off and the Kohl's cash.

Re: Kohls CLI denied. Wait 31 days?

jacetx — Thu, 25 Aug 2016 23:04:56 GMT

@Anonymous wrote:
@jace8602 wrote:
@Anonymous wrote:
My husband requested a CLI on his $600 Kohl's, but it was denied. I think I had the start date wrong, and he asked a couple days before 6 months. Does he have to wait 31 days after that denial to try again? I searched the forums and found one reference to that. Might it work if he just calls in instead?

He does have a 19month old Capital One Quicksilver at over 9k, so Capital One does see some value in him as a cardholder. This Kohl's is going to get closed if it doesn't get increased.
What was the reason for the denial? Keep in mind that Kohl's is a HP every time for CLI requests.
I'm confused. It was denied because Kohl's requries 6 months before a CLI, and he asked a few days early. A quick search of the forums will show that most people report Kohl's is almost always a soft pull for CLI.

Unless it has changed recently, in my case it was always an HP to request a CLI. If he really wants a CLI on the card then he can try again at the 60 days mark. Unlike Amex, Capital One does not require the customer to wait 90 days before asking again.

Re: Kohls CLI denied. Wait 31 days?

Anonymous — Thu, 25 Aug 2016 23:13:43 GMT

@Anonymous wrote:
@jace8602 wrote:
@Anonymous wrote:
My husband requested a CLI on his $600 Kohl's, but it was denied. I think I had the start date wrong, and he asked a couple days before 6 months. Does he have to wait 31 days after that denial to try again? I searched the forums and found one reference to that. Might it work if he just calls in instead?

He does have a 19month old Capital One Quicksilver at over 9k, so Capital One does see some value in him as a cardholder. This Kohl's is going to get closed if it doesn't get increased.
What was the reason for the denial? Keep in mind that Kohl's is a HP every time for CLI requests.
I'm confused. It was denied because Kohl's requries 6 months before a CLI, and he asked a few days early. A quick search of the forums will show that most people report Kohl's is almost always a soft pull for CLI.

It has always been a sp for my hubby, Daisy. When he first got his card in Sept or Oct of 2014, his SL was $300. If I remember correctly, he didn't get his first increase until six months later. But, as of July 2015, there is a luv button where you can request an increase online. Hubby hit that button every 4 months and 1 day, and received an increase each time (like I said, only a sp). He has maxed out at $3K. I wouldn't make a phone call to them, and chance them doing a hp (unless that's fine with him). Hope this helps!

Re: Kohls CLI denied. Wait 31 days?

tray — Fri, 26 Aug 2016 01:13:16 GMT

Just requested cli with Kohls online yesterday with no hard pull..... was given 1K now sitting with 3K, I quess i must be maxed out now from what I am reading.... I would wait for letter see what it states then try again.

Re: Kohls CLI denied. Wait 31 days?

Anonymous — Fri, 26 Aug 2016 07:11:32 GMT

Kohl's CLI has always been SP for me though I have heard stories of people getting HP. First time I hit the luv button I was denied, called in and rep told me I had to wait 31 days. Waited 32 days and hit the button again and received CLI.

Re: Kohls CLI denied. Wait 31 days?

Legal_Girl — Fri, 26 Aug 2016 13:59:43 GMT

My CL with Kohls is $5k. I would wait until the 7th statement cuts just to be sure.

Re: Kohls CLI denied. Wait 31 days?

srloring13 — Fri, 26 Aug 2016 21:25:23 GMT

@Legal_Girl wrote:
My CL with Kohls is $5k. I would wait until the 7th statement cuts just to be sure.

You are the first one I heard about going over $3K. Congrats! How long ago did you reach $5K?

Re: Kohls CLI denied. Wait 31 days?

Anonymous — Sat, 27 Aug 2016 03:59:41 GMT

If your account was just opened (new) then you have to wait 6 months before you can request an increase. Once you reach the 6 month mark, you can request an increase every 90 days. As for the poster with a 5k credit line, he had the card before Capital One took over because CO has never allowed a limit over 3k which is the max credit limit available.

Re: Kohls CLI denied. Wait 31 days?

Anonymous — Tue, 30 Aug 2016 16:23:25 GMT

The letter for the second request came in the mail, and it says he has "no real estate accounts with a valid credit amount". Our mortgage loan was sold this summer, so I guess the new lender isn't reporting it properly yet, even though they took over the loan June 1. UGH.

Is Capital One typically much more stingy with the Kohl's cards than their regular cards? They are so generous on our regular cards with them that this is surprising.

Re: Kohls CLI denied. Wait 31 days?

Anonymous — Tue, 30 Aug 2016 22:54:51 GMT

@Legal_Girl wrote:
My CL with Kohls is $5k. I would wait until the 7th statement cuts just to be sure.

Congrats on your credit limit. I'm also curious about your $5k Kohl's. Did you get the card before Capital One took over? The last time I tried for an increase with them 6 months ago, they sent a letter stating that I had reached the maximum. It'll be 3 years in December that I've had the card with them.