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Kohl's Card - Anyone exceed $3,000 lately?

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K-in-Boston
Credit Mentor

Kohl's Card - Anyone exceed $3,000 lately?

Last summer, B335is became the first one that I am aware of to have received a Kohl's credit line above $3,000 since Capital One took the accounts over.  Prior to that, any requests would always result in an immediate denial and the letter received would state "You already have the maximum credit line that this type of account allows." Shortly after, there were a few of us that also got CLIs from $3,000 to $4,000.

 

I have since tried a few times on both my account and DW's (who was still at $3k, and her account is about 24 years old) with no luck.  We received a few letters over a few months stating the denial reason was due to our credit scores.  (For Kohl's, CapOne gives a VantageScore 2.0 score (seriously?!) on the denial letters and our scores were only in the 800s.  My FICO 08s have been in the 730-740 range during my requests and hers were all right around 800 during the same period.)

 

Fast forward to our most recent requests last month, and we were both denied again.  However this time it wasn't due to our mid and high-800 scores, but we're back to "You already have the maximum credit line..."  Has anyone received a CLI above $3k in the past 6 months or so?  Were there really just a handful of us that got in on the $4k line and they quickly shut the tap?

Message 1 of 12
11 REPLIES 11
Adkins
Legendary Contributor

Re: Kohl's Card - Anyone exceed $3,000 lately?

No, but not for lack of trying! My last denial letter stated I'd received a CLI in the last three months and wasn't eligible for another CLI yet. This is a first. 


Last HP 08-07-2023



Message 2 of 12
K-in-Boston
Credit Mentor

Re: Kohl's Card - Anyone exceed $3,000 lately?

I never got any CLIs in under 3 months after an earlier one, either.  I think it's always been that way?  Your card is also a bit of an anamoly since it didn't take the 300-700-1500-2500-3000 course that the majority of them do, so who knows?  Hopefully you'll get your next one soon.

Message 3 of 12
fltireguy
Valued Contributor

Re: Kohl's Card - Anyone exceed $3,000 lately?

Do you mean like this? (**bleep** autopay..overpaid last statement)

 

BC41FBC2-8C7B-4C67-85F9-AC4E2F0BDABC.jpeg

NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!
Message 4 of 12
Adkins
Legendary Contributor

Re: Kohl's Card - Anyone exceed $3,000 lately?


@K-in-Boston wrote:

I never got any CLIs in under 3 months after an earlier one, either.  I think it's always been that way?  Your card is also a bit of an anamoly since it didn't take the 300-700-1500-2500-3000 course that the majority of them do, so who knows?  Hopefully you'll get your next one soon.


Huh. I didn't realize the $1K to $2K the card took was a weird transition for a CLI. 


Last HP 08-07-2023



Message 5 of 12
wasCB14
Super Contributor

Re: Kohl's Card - Anyone exceed $3,000 lately?

What could a family of four typically spend at Kohl's in a year?

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select
Message 6 of 12
FinStar
Moderator Emeritus

Re: Kohl's Card - Anyone exceed $3,000 lately?

Mine's still @ $3,000. I only recall a handful of folks who were able to cross that mark.
Message 7 of 12
NichelleN
Established Contributor

Re: Kohl's Card - Anyone exceed $3,000 lately?

I'm still at $2500. I received every increase I asked for but I stopped asking when I read that someone received a hard pull. I didn't want to risk a hard pull for $500 in additional credit since I only knew of a $3,000 maximum.

More than enough credit.
Message 8 of 12
Life_take2
Contributor

Re: Kohl's Card - Anyone exceed $3,000 lately?

I currently have 3,000 with Kohls and recently (May 2018) asked for a CLI. I got the 7-10 day response. The letter stated the reason for denial was: " Current credit line is at max offering for this type of account" In fairness, the account is not used a great deal so they have little incentive to make any exception.

BK7 -9/15 Starting EQ-571 | TU-528 | EX-572 ---> Feb'24- Fico8: EQ-756 | TU-759| EX-751 Fico9: EQ-804 | TU-813 | EX-806


Amazon Store 10,000 * Apple Card-GS 12,000 * Barclay View 11,400 * Citi Costco Visa 8,100 * * Citi BB Visa 10,000 * Discover 8,100 * Discover Miles 14,500 * Eddie Bauer 4,000 * Home Depot 10,000 * HSN 10,000 * Kohls 3,000 * NFCU Flagship 30,000 * NFCU AMEX 25,000 * PenFed Gold 12,500 * Sam's Club MC 15,000 *Wells Fargo Platinum 1,100 * Wells Fargo Autograph 20,000 *
Total CL $204,700
Util% >1% AAOA: 62 Mo

Message 9 of 12
Kforce
Valued Contributor

Re: Kohl's Card - Anyone exceed $3,000 lately?


@wasCB14 wrote:

What could a family of four typically spend at Kohl's in a year?


You are starting to sound like me.

Just because you only spend $200 every 4 months does not mean that you don't need $50,000 CL.

What is wrong with you?

Message 10 of 12
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