Kohl's caps out at $3k? (New, or well known?)

[AlanGJP]

So I was denied a CLI from Kohl's, just received the letter in the mail today. "This card is at the maximum allowed credit limit". It's at $3k, is this a new hard limit, or was I just not aware of it?

I barely use the card as it was a pickup during my rebuild, but I still like to try for CLIs on all my cards. I'm not heartbroken over it, but I was surprised given my $30K Lowes and $18K IKEA limits - granted very different stores and lender, but that is quite the difference.

[Adkins]

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@AlanGJP wrote:

So I was denied a CLI from Kohl's, just received the letter in the mail today. "This card is at the maximum allowed credit limit". It's at $3k, is this a new hard limit, or was I just not aware of it?

I barely use the card as it was a pickup during my rebuild, but I still like to try for CLIs on all my cards. I'm not heartbroken over it, but I was surprised given my $30K Lowes and $18K IKEA limits - granted very different stores and lender, but that is quite the difference.

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Not new, it's been capped at $3K for a while now. There was a time when you could get up to $4K, and a few people do have that limit. 

[FinStar]

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@Adkins wrote:

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@AlanGJP wrote:

So I was denied a CLI from Kohl's, just received the letter in the mail today. "This card is at the maximum allowed credit limit". It's at $3k, is this a new hard limit, or was I just not aware of it?

I barely use the card as it was a pickup during my rebuild, but I still like to try for CLIs on all my cards. I'm not heartbroken over it, but I was surprised given my $30K Lowes and $18K IKEA limits - granted very different stores and lender, but that is quite the difference.

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Not new, it's been capped at $3K for a while now. There was a time when you could get up to $4K, and a few people do have that limit. 

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Right.  I'm at $4K now, but I believe there's been a couple members that were ale to push it to $5K a long while ago. So, the majority are capped at $3K @AlanGJP.

[AlanGJP]

Thanks for confirming guys. Came as a suprise to me, should have searched I guess. I don't really use the card since I rarely shop at Kohls, I'll probably close it or just keep it socked drawered and if they close it, they close it.

[Trini88]

Yup my sister and a friend stopped getting increases after 3k. Found out after talking to them when I showed interest in getting the card.

[Anonymous]

Mine has been capped at 3k for a couple years now.

[b0yinterrupted]

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@AlanGJP wrote:

So I was denied a CLI from Kohl's, just received the letter in the mail today. "This card is at the maximum allowed credit limit". It's at $3k, is this a new hard limit, or was I just not aware of it?

I barely use the card as it was a pickup during my rebuild, but I still like to try for CLIs on all my cards. I'm not heartbroken over it, but I was surprised given my $30K Lowes and $18K IKEA limits - granted very different stores and lender, but that is quite the difference.

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It's better than $300! lol I'm glad I have the card for my build tho. I've been using it but don't like that I have to watch prices. Good thing they price match, I even got them to do it 2 weeks after the 2 week window.

[brk1971]

IIRC, their system will still allow you to request an increase (and will pull a credit score), so once you top out, you'll want to know that to avoid the waste... 

[AlanGJP]

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@brk1971 wrote:

IIRC, their system will still allow you to request an increase (and will pull a credit score), so once you top out, you'll want to know that to avoid the waste... 

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All of my CLI from Kohl's have been soft pulls.

[Aim_High]

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@AlanGJP wrote:

 ... but I was surprised given my $30K Lowes and $18K IKEA limits - granted very different stores and lender ...

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I used to have a Kohl's account many years ago.  I never asked for CLI and closed it a few years later with the original $2K limit when I was trying to simplify my finances.  I think you hit the nail on the head.  There's a huge difference between those examples.  It's easy to spend $18K to $30K on furniture and building materials.  With Kohl's, $3K buys a lot of socks and underwear.