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

[xXIDaShizIXx]

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@K-in-Boston wrote:

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?

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My wife actually got the "You already have the maximum credit line that this type of account allows" message last month.

[wasCB14]

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@Kforce wrote:

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@wasCB14 wrote:

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

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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?

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It's more curiousity than critique. I haven't been in one for many years (and the two I have been in seemed to be ghost towns at the time) so I have little reference as to what other people are buying there.

From looking at the website, it seems $500 would buy a lot of clothing there (though I'm guessing it might wear out quickly). Most appliances cost under $500. The $1,000 purchases seem to be mostly beds.

It looks like someone would need to make several major purchases at once to really need a high CL. I suppose utilization micromanagers would want some cushioning, though.