Kohl’s CC MVC upgrade without request

[CivalV]

Hey! I have negatives such as late payments from years ago that still show & one paid off collection. Cap 1 gave me a a CLI last October from $750 to $2000 & nothing since then. That score was FICO. My vantage scores are always 50 points higher than my FICO scores.

[aircobra]

This topic got me to request a CLI on mine and my mothers cards. I got denied, will know the reason when they send me a letter in the mail. My mom got a $400 increase to $700. I got a good laugh out of it because, A) I just let a balance report this statement and then quickly paid it off, B) my scores are around 30-40 points higher than hers. The only explanation I have is that it is because she hasn't used hers in a few months. Both accounts are essentially the same age as well.

[CivalV]

I believe I have not received a CLI because I only paid my card in full once. Hopefully when i PIF this month I will receive some auto love.

[kiea]

I received my first CLI exactly 1 year after having the card but I used the card just about every month since I got approved.  I also paid my balance before the statement cut...I think that helped. 

[Anonymous]

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@CivalV wrote:

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@Brian_Earl_Spilner wrote:

Yeah, I just bought some ray bans from them and put it on my amex because if I put it on my Kohl's I would be using over 50% of the limit.

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I I don’t have an Amex account yet. Just savings. I am crossing fingers and toes by February I can be preapproved for an Amex. It will be my last card & I will most definitely be closing any cards that are bucketed, subprime cards and rebuilder accounts. I want to simplify my stash. 

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You are not too far off. I got my Amex pre-approval with Experian score of 626.