Kohls recon possible?

crissyanj · ‎03-10-2015

On a whim last Sunday, I applied for a khols credit card online. Unfortunately, I was denied. The reasons for denial was:
*available credit on open bank cards too low
*time since oldest acct open is too recent
*no usable real estate
*open acct balance/credit amount ratio is too high

I have a Cap 1 credit card that close to the limit and my utl is currently at 59%. I'd hate the wasted inquiry. Has anyone had any success with recon?

Anonymous · ‎03-11-2015

What are your credit scores? What are the limits on your other cards, and when were they opened?

There is really not much to be gained from Kohl's. The limit doesn't grow much. I would chill on the store cards unless using the Shopping Cart Trick and you can get a pop up credit approval with a soft pull.

You would have probably had better luck with Macy's in store, but I am not advocating using too many hard pulls on store cards, but Macy's credit limits grow much higher than Kohl's.

FinStar · ‎03-11-2015

@Anonymous wrote:
What are your credit scores? What are the limits on your other cards, and when were they opened?

There is really not much to be gained from Kohl's. The limit doesn't grow much. I would chill on the store cards unless using the Shopping Cart Trick and you can get a pop up credit approval with a soft pull.

You would have probably had better luck with Macy's in store, but I am not advocating using too many hard pulls on store cards, but Macy's credit limits grow much higher than Kohl's.

OP, Swampy99 offers a decent alternative to Kohl's who isn't known for successful reconsiderations. Unless you shop quite frequently at Kohls' then perhaps you can consider applying for it when your profile yileds some improvement.

App_Addict · ‎03-11-2015

@FinStar wrote:
@Anonymous wrote:
What are your credit scores? What are the limits on your other cards, and when were they opened?

There is really not much to be gained from Kohl's. The limit doesn't grow much. I would chill on the store cards unless using the Shopping Cart Trick and you can get a pop up credit approval with a soft pull.

You would have probably had better luck with Macy's in store, but I am not advocating using too many hard pulls on store cards, but Macy's credit limits grow much higher than Kohl's.
OP, Swampy99 offers a decent alternative to Kohl's who isn't known for successful reconsiderations. Unless you shop quite frequently at Kohls' then perhaps you can consider applying for it when your profile yileds some improvement.

The HP has happened so you have NOTHING to lose by trying to RECON. Give it a shot, worst they can say is no. Good Luck!

CURRENT SCORES: TU: 698 21 Apps / EX: 644 28 Apps / AAoA: 4.4 Yrs. / Util. 5% / Goal: 750 by 12/22

FinStar · ‎03-11-2015

@App_Addict wrote:
@FinStar wrote:
@Anonymous wrote:
What are your credit scores? What are the limits on your other cards, and when were they opened?

There is really not much to be gained from Kohl's. The limit doesn't grow much. I would chill on the store cards unless using the Shopping Cart Trick and you can get a pop up credit approval with a soft pull.

You would have probably had better luck with Macy's in store, but I am not advocating using too many hard pulls on store cards, but Macy's credit limits grow much higher than Kohl's.
OP, Swampy99 offers a decent alternative to Kohl's who isn't known for successful reconsiderations. Unless you shop quite frequently at Kohls' then perhaps you can consider applying for it when your profile yileds some improvement.
@FinStar wrote:
@Anonymous wrote:
What are your credit scores? What are the limits on your other cards, and when were they opened?

There is really not much to be gained from Kohl's. The limit doesn't grow much. I would chill on the store cards unless using the Shopping Cart Trick and you can get a pop up credit approval with a soft pull.

You would have probably had better luck with Macy's in store, but I am not advocating using too many hard pulls on store cards, but Macy's credit limits grow much higher than Kohl's.
OP, Swampy99 offers a decent alternative to Kohl's who isn't known for successful reconsiderations. Unless you shop quite frequently at Kohls' then perhaps you can consider applying for it when your profile yileds some improvement.
The HP has happened so you have NOTHING to lose by trying to RECON. Give it a shot, worst they can say is no. Good Luck!

Regardless if the HP has happened, not all lenders offer the option to reconsider. Kohls is one of them unless it's a verification issue. Same applies for Synchrony and others. If someone's profile doesn't support it, why waste their efforts on something that won't materialize?

App_Addict · ‎03-12-2015

@FinStar wrote:
@App_Addict wrote:
@FinStar wrote:
@Anonymous wrote:
What are your credit scores? What are the limits on your other cards, and when were they opened?

There is really not much to be gained from Kohl's. The limit doesn't grow much. I would chill on the store cards unless using the Shopping Cart Trick and you can get a pop up credit approval with a soft pull.

You would have probably had better luck with Macy's in store, but I am not advocating using too many hard pulls on store cards, but Macy's credit limits grow much higher than Kohl's.
OP, Swampy99 offers a decent alternative to Kohl's who isn't known for successful reconsiderations. Unless you shop quite frequently at Kohls' then perhaps you can consider applying for it when your profile yileds some improvement.
@FinStar wrote:
@Anonymous wrote:
What are your credit scores? What are the limits on your other cards, and when were they opened?

There is really not much to be gained from Kohl's. The limit doesn't grow much. I would chill on the store cards unless using the Shopping Cart Trick and you can get a pop up credit approval with a soft pull.

You would have probably had better luck with Macy's in store, but I am not advocating using too many hard pulls on store cards, but Macy's credit limits grow much higher than Kohl's.
OP, Swampy99 offers a decent alternative to Kohl's who isn't known for successful reconsiderations. Unless you shop quite frequently at Kohls' then perhaps you can consider applying for it when your profile yileds some improvement.
The HP has happened so you have NOTHING to lose by trying to RECON. Give it a shot, worst they can say is no. Good Luck!

Regardless if the HP has happened, not all lenders offer the option to reconsider. Kohls is one of them unless it's a verification issue. Same applies for Synchrony and others. If someone's profile doesn't support it, why waste their efforts on something that won't materialize?

I have heard of some (albeit very few) say they had success, so YES the HP has happened and most everything we get involves effort so I still say give it a shot!

CURRENT SCORES: TU: 698 21 Apps / EX: 644 28 Apps / AAoA: 4.4 Yrs. / Util. 5% / Goal: 750 by 12/22

crissyanj · ‎03-12-2015

Thanks for the response all!! I will call and see if I can get the app reconsidered...it's worth a try. I'll keep you posted.

ojefferyo · ‎03-12-2015

@App_Addict wrote:
@FinStar wrote:
@App_Addict wrote:
@FinStar wrote:
@Anonymous wrote:
What are your credit scores? What are the limits on your other cards, and when were they opened?

There is really not much to be gained from Kohl's. The limit doesn't grow much. I would chill on the store cards unless using the Shopping Cart Trick and you can get a pop up credit approval with a soft pull.

You would have probably had better luck with Macy's in store, but I am not advocating using too many hard pulls on store cards, but Macy's credit limits grow much higher than Kohl's.
OP, Swampy99 offers a decent alternative to Kohl's who isn't known for successful reconsiderations. Unless you shop quite frequently at Kohls' then perhaps you can consider applying for it when your profile yileds some improvement.
@FinStar wrote:
@Anonymous wrote:
What are your credit scores? What are the limits on your other cards, and when were they opened?

There is really not much to be gained from Kohl's. The limit doesn't grow much. I would chill on the store cards unless using the Shopping Cart Trick and you can get a pop up credit approval with a soft pull.

You would have probably had better luck with Macy's in store, but I am not advocating using too many hard pulls on store cards, but Macy's credit limits grow much higher than Kohl's.
OP, Swampy99 offers a decent alternative to Kohl's who isn't known for successful reconsiderations. Unless you shop quite frequently at Kohls' then perhaps you can consider applying for it when your profile yileds some improvement.
The HP has happened so you have NOTHING to lose by trying to RECON. Give it a shot, worst they can say is no. Good Luck!

Regardless if the HP has happened, not all lenders offer the option to reconsider. Kohls is one of them unless it's a verification issue. Same applies for Synchrony and others. If someone's profile doesn't support it, why waste their efforts on something that won't materialize?
I have heard of some (albeit very few) say they had success, so YES the HP has happened and most everything we get involves effort so I still say give it a shot!

Yup nothing to lose, except maybe 5-10 minutes of your time. Go for it!

Amex Platinum, Amex Hilton HHonors Surpass, Chase Southwest Premier, Chase Marriott Rewards Premier, Discover IT, Sony Visa, Barclay Arrival+ MC, Cabela Visa, Walmart SC, Amazon SC, Kohls, Diners Club Premier, PayPal Credit, PenFed Platinum Reward Visa, PenFed PLOC, Chase Ritz Carlton, Citi TY Premier, Amex BCP, Discover Miles, Care Credit, Blue Nile SC, iComfort SC, Cap1 Venture, Chase Hyatt, Lowes, US Bank Cash+, Citi Costco Visa

crissyanj · ‎03-13-2015

You're right...nothing to lose! Unfortunately, Kohls doesn't recon applications. I'd have to wait and apply after 30 days.

Anonymous · ‎03-13-2015

Your file is thin plus Kohl's isn't worth but $300 and maybe over a couple years an increase to $700.

Sorry for your negative experience. To build your file up I would try the shopping cart trick and see if you can get 2 accounts. No more than two. How long have you had Capital One? At 6 months try for the next level card like Quicksilver1.

Avoid the hp's until then. If you want a store card like I said before after you have 2 more trade lines showing Macys and Nordstrom have good odds. Just apply in store.

And pay your Capital One down below 20% of the limit BEFORE the due date so you're not showing high utilization when they report to the bureaus. You'll do fine.