Fighting with Kohl's for a CLI continued denial

[Anonymous]

I have requested an increase 2-3 times in the last few months.

I always get the same lovely letter.

My credit score is apparently too low (It is higher than it was when they upped me to $3,000)

Telling me my oldest account is too new( My oldest account is now 6 months older than it was during the last increase).

That I do not have any usable real estate?

Too many inquiries.

The one I love is that the available credit on my accounts is too low(What? I will give them that with respect to my Amex because I balance transferred $4,300 to a $4,800 limit card but everything else is grand).

Have any of you all had similar issues? I know a couple of people have been able to push past $3,000.

Do you all have any suggestions? I guess I am just irritated because I had been getting increases every 3 months like clock work.

[Anonymous]

I've never gotten an increase on my puny little $300 Kohl's card. Only reasons I haven't been given yet are zombie apocalypse and Martian invasion. They are finicky. My scores are all above 715 and usually 1-3% uti.

[Anonymous]

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Is your current limit 3,000? That is what i believe i just read? If so Kohls credit card limit maxes out at 3,000. So if you are at that, that's as high as it will go.

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[Anonymous]

What is your utilization on your Kohl's?

I opened mine at $300 about two years ago when I was rebuilding.  We use it several times a year and always PIF.  They have auto CLId our SL to $1500 since we opened.  We usually get the CLI a few hundred dollars at a time, and always when we haven't used the card in a couple months.

IMHO, if it wasn't for the coupons that required use of a Kohl's charge, we probably wouldn't have one at all.

[Anonymous]

Either $0 a credit balance, or $5-$10 at statement cut over the last few months.

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@Anonymous wrote:

What is your utilization on your Kohl's?

I opened mine at $300 about two years ago when I was rebuilding.  We use it several times a year and always PIF.  They have auto CLId our SL to $1500 since we opened.  We usually get the CLI a few hundred dollars at a time, and always when we haven't used the card in a couple months.

IMHO, if it wasn't for the coupons that required use of a Kohl's charge, we probably wouldn't have one at all.

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[Anonymous]

Again, 3,000 is the max limit for this card. i have never seen proof of a limit over that. Multiple reps have confirmed thats it. Thats why you are getting denied i bet. According to your signature your kohls card HAS A 3,000 limit so i would guess you are at the max, congrats.

[Adkins]

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@Anonymous wrote:

Again, 3,000 is the max limit for this card. i have never seen proof of a limit over that. Multiple reps have confirmed thats it. Thats why you are getting denied i bet. According to your signature your kohls card HAS A 3,000 limit so i would guess you are at the max, congrats.

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No, it's not - $4K is the maximum limit on this card currrently Approvals started showing up on the forum in August 2017 for CLI to $4K.

http://ficoforums.myfico.com/t5/Credit-Card-Approvals/PSA-Kohl-s-3k-cap-lifted-CLI-to-4k/m-p/5018343#M501222

[AverageJoesCredit]

4k has been achieved but i dont think everyone will qualify for that limit. Even so , i wouldnt stress trying to raise my limit from 3k to 4k since if 4 is the highest, you are virtually at the limit obtainable. If this were a Macys or Pennys card, yeah shoot for the moon cuz those limits can crush Kohls all week long. Just my ho

[Anonymous]

Wow! I stand corrected. I have searched and searched for info that the limit could go above 3,000 and never came across anything. And called and spoke to a customer servcie rep at kohls who confirmed that was it, multiple times. Thats awesome. Thanks for the link!

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@Adkins wrote:

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@Anonymous wrote:

Again, 3,000 is the max limit for this card. i have never seen proof of a limit over that. Multiple reps have confirmed thats it. Thats why you are getting denied i bet. According to your signature your kohls card HAS A 3,000 limit so i would guess you are at the max, congrats.

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No, it's not - $4K is the maximum limit on this card currrently Approvals started showing up on the forum in August 2017 for CLI to $4K.

http://ficoforums.myfico.com/t5/Credit-Card-Approvals/PSA-Kohl-s-3k-cap-lifted-CLI-to-4k/m-p/5018343#M501222

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[Adkins]

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@Anonymous wrote:

Wow! I stand corrected. I have searched and searched for info that the limit could go above 3,000 and never came across anything. And called and spoke to a customer servcie rep at kohls who confirmed that was it, multiple times. Thats awesome. Thanks for the link!

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@Adkins wrote:

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@Anonymous wrote:

Again, 3,000 is the max limit for this card. i have never seen proof of a limit over that. Multiple reps have confirmed thats it. Thats why you are getting denied i bet. According to your signature your kohls card HAS A 3,000 limit so i would guess you are at the max, congrats.

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No, it's not - $4K is the maximum limit on this card currrently Approvals started showing up on the forum in August 2017 for CLI to $4K.

http://ficoforums.myfico.com/t5/Credit-Card-Approvals/PSA-Kohl-s-3k-cap-lifted-CLI-to-4k/m-p/5018343#M501222

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You're welcome. Always take CSRs information with a HUGE grain of salt. Sometimes they are right on the money, other times they don't know what's really going on. I trust the information flowing through this forum more at this point. 

Here's another from last month (but threads get buried fast!)

http://ficoforums.myfico.com/t5/Credit-Card-Approvals/Kohls-CLI-to-4K/m-p/5088118#M514484