@DoppelgangerD wrote:...So, I had never heard of the co-branded Visa card Kohls/Cap1 gave to a limited number of account holders a couple of years ago until recently...
...When I contacted Kohls to ask to be upgraded....
Later I contacted Kohls again via chat and was told the upgrade wasn't possible, and that in September 2024, they would be upgrading several million people to the Visa card again.
So I don't know if that is all remaining account holders or not.
It just seems quite odd that they've taken literally YEARS to do the migration to the co-branded card.
...
I've had dozens of cards and I've never seen this before, but whatever, I'll just call.
So... I call and get through all the prompts and verification, and the very nice CSR then tells me, that they can't ask for anything more over the phone other than the AU's name, and now they have to snail-mail me a form to fill out to add the AU.
Since you used "literally," it would be 0.773 years to be precise. No Visa cards were available prior to June 26, 2023. The Visa card is by invite only to select cardholders. No one outside of CapOne knows what criteria were used to decide this. My credit limit is $1000 higher than the official maximum line for the retail card, scores in 800s, etc., and no change from the store card. Player 2's account has even been opened for 30 years with regular use, no invite. It's doubtful that all cardholders will be converted to Visa cards.
As for the latter part about adding AUs, this is extremely common with credit unions and smaller banks. Capital One doesn't have a lot of retail cards that aren't fully integrated into their regular credit card servicing; if the servicing websites for those accounts looks like it was written in the 90s, it's not surprising that some other functions we're accustomed to aren't available there.
@DoppelgangerD wrote:
..I recall mentions of dates much earlier than that. If you think you have better info, whatever...
June 26th, 2023, is the date the product was launched.
@Scottisthename wrote:I really have no comment in the ridiculousness but this point reminded me that it's been awhile since I asked for an increase which I did today approved $1,500 to $2,500 which is a little odd as the normal has always been
300-750-1500-3000
i will take a Visa please
Actually, far and away the most common Kohl's credit line progression is 300-700-1500-2500-3000 (and that one brief period where 4000 was possible). It's not very common that there are deviations from that pattern, but it does happen.