Kohl’s CC MVC upgrade without request

CivalV · ‎10-22-2018

I just received a new card in the mail from Kohl’s. Totally unexpected. New design, new account number but same low credit limit? Has anyone received this upgrade and was able to get a CLI after activating it? I have been a Kohl’s CC holder since 03/17 and have yet to receive a CLI of any amount. A bit frustrating as I purchase from Kohl’s constantly and love their discounts on clothes for my kids.

Should I activate the card and request a CLI or just wait for auto love?

Brian_Earl_Spilner · ‎10-22-2018

I just got declined a CLI at 6 months. Declined at 3 months also. I'll probably end up closing the card as everything I want to buy there doesn't qualify for Kohl's cash or discounts.

CivalV · ‎10-22-2018

@Brian_Earl_Spilner wrote:
I just got declined a CLI at 6 months. Declined at 3 months also. I'll probably end up closing the card as everything I want to buy there doesn't qualify for Kohl's cash or discounts.

I really wish I knew Kohl’s Secret. Some people get CLIs every couple of months & I haven’t even received one! I really love the rewards and I have saved so much money because of my charge card, discounts and overall smart spending habits but this $300 limit is silly.

Brian_Earl_Spilner · ‎10-22-2018

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.

Anonymous · ‎10-22-2018

ive been getting a cli every 3 months

CivalV · ‎10-22-2018

@Anonymous wrote:
ive been getting a cli every 3 months

What are your data points if you don’t mind? Last time I hit the request button they denied me due to my FICO being only 610. I just tried again and denied. I’m so tired of all the denials!!!

Anonymous · ‎10-22-2018

@CivalV wrote:
@Anonymous wrote:
ive been getting a cli every 3 months
What are your data points if you don’t mind? Last time I hit the request button they denied me due to my FICO being only 610. I just tried again and denied. I’m so tired of all the denials!!!

ah i believe they soft pull tu for clis and my TU is always around 730

CivalV · ‎10-22-2018

@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.

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.

CivalV · ‎10-22-2018

@Anonymous wrote:
@CivalV wrote:
@Anonymous wrote:
ive been getting a cli every 3 months
What are your data points if you don’t mind? Last time I hit the request button they denied me due to my FICO being only 610. I just tried again and denied. I’m so tired of all the denials!!!
ah i believe they soft pull tu for clis and my TU is always around 730

So my gut and denials are telling me I need a higher TU in order to receive the increase. I just paid over $2500 in CC that will report for the beginning of Nov. hopefully that boost my score enough to qualify for an increase.

FinStar · ‎10-22-2018

What else is holding your scores down OP?

Keep in mind that the upgrade really isn't correlated with any type of CLI. Is 610 a FICO score or Vantage?