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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?
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.
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.
Do you mean like this? (**bleep** autopay..overpaid last statement)
@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.
What could a family of four typically spend at Kohl's in a year?
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.
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
@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?