Kohls CLI

[Gonzozap]

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@CivalV wrote:

How long from your previous CLI? 10 months since my last SP CLI and I am itching to hit the button in hopes they approve it 

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I can't be sure how long.  Don't use the card that much.  I think it's been maybe 18 months ago.  Went from $750 to $1500.  Started at a huge $300 and I recall I was once declined when I asked for an increase from $300.   Can't begin to figure them out.

[FinStar]

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@AverageJoesCredit wrote:
I thought Cap 1 cards are sp cli even on retail?

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Although this is the typical practice, they have been known to HP on CLI requests.  Rare, but still possible depending on the profile.

[Bestman79]

I've hit my 1 year anniversary with Kohl's this month. I too thought their CLIs were soft pulls. At least my first increase was. Started at $1K, then online request soft pull to $2K CL somewhere around June. Requested another assuming soft pull increase early Oct, denied. CK sends alert of inquiry 2 WEEKS LATER! Needless to say I won't be requesting another CLI from Kohl's. $2K CL is fine, from my understanding it maxes at $3K. For those requesting I'll advise to freeze reports before doing so. EXP was pulled for me.

[mikesonthemend]

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@Anonymous wrote:

I got mine with a $300 SL. Six months later I got a SP CLI to $700. It has sat there since February with no further growth despite some score improvement and a bunch of attempts. Cap One thinks $700 is sufficient for me apparently.

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I started on this path, now at $2500. Appears to be a 6 month thing. Never a hard pull.

[Bestman79]

Hmm, perhaps that's why my request last month resulted in a HP because less than 6 months timeframe? Still I didn't consent to it, furthermore seems a bit odd the inquiry didn't hit EXP until 2 weeks later...

[Five6Two]

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@Bestman79 wrote:
Hmm, perhaps that's why my request last month resulted in a HP because less than 6 months timeframe? Still I didn't consent to it, furthermore seems a bit odd the inquiry didn't hit EXP until 2 weeks later...

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The page definitively says "information may be obtained from your credit bureau to help us decision your request", you gave them your consent when you agreed and hit submit. Sorry it didn't work out, try again after the 6 months. 

[soxfaininfl]

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@FinStar wrote:

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@AverageJoesCredit wrote:
I thought Cap 1 cards are sp cli even on retail?

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Although this is the typical practice, they have been known to HP on CLI requests.  Rare, but still possible depending on the profile.

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Wow, I made 2 CLI requests in 3 months and both were soft pulls. 

[soxfaininfl]

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@Bestman79 wrote:
I've hit my 1 year anniversary with Kohl's this month. I too thought their CLIs were soft pulls. At least my first increase was. Started at $1K, then online request soft pull to $2K CL somewhere around June. Requested another assuming soft pull increase early Oct, denied. CK sends alert of inquiry 2 WEEKS LATER! Needless to say I won't be requesting another CLI from Kohl's. $2K CL is fine, from my understanding it maxes at $3K. For those requesting I'll advise to freeze reports before doing so. EXP was pulled for me.

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There is a poster on here that's has a 4K limit. That's the highest I've seen so far. 

[Anonymous]

Not always My Kohls card is 2 1/2 y/o and I’ve requested a CLI twice in that time frame. They were both approved, but for me they were both Hard Inquiries.

Last increase was Sept. 2019. HP

YMMV with kohl’s CLI requests.