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Kohls card very low limit

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Anonymous
Not applicable

Re: Kohls card very low limit


@Anonymous wrote:

 

My experience as a prior Kohls cardholder was that they closed my account after insufficient use when I hadn't used the card for about 2 years, so it may end up being closed by them if you end up not using it.


I called them up (Capital One) I guess aka Kohls credit card and they gave me a card number over the phone so I could buy the air fryer today. My card is turning 2 years old this month so I wanted to use it before they closed it as they did to you as my last purchases was two years ago when I got the card. No matter which one or how much it is they all have about 75% positive reviews and 25% negative reviews. I figured I would buy one based on really good reviews but they all had something bad along the way. So I guessed and bought one. It had to be big enough to make a large pizzaSmiley Tongue

Thanks

Mark

Message 21 of 28
SUPERSQUID
Valued Contributor

Re: Kohls card very low limit


@Anonymous wrote:

@Anonymous wrote:

 

My experience as a prior Kohls cardholder was that they closed my account after insufficient use when I hadn't used the card for about 2 years, so it may end up being closed by them if you end up not using it.


I called them up (Capital One) I guess aka Kohls credit card and they gave me a card number over the phone so I could buy the air fryer today. My card is turning 2 years old this month so I wanted to use it before they closed it as they did to you as my last purchases was two years ago when I got the card. No matter which one or how much it is they all have about 75% positive reviews and 25% negative reviews. I figured I would buy one based on really good reviews but they all had something bad along the way. So I guessed and bought one. It had to be big enough to make a large pizzaSmiley Tongue

Thanks

Mark


I have my card a year and a couple months. i bought many items and never had a bad experience. i bought a few appliances including a combo air fryer/toaster oven. i usually wait until they give me the 30 percent off combined with something else like kohls cash or free shipping. everything i bought from them was less than it would be at a retail store.

{ BK7 DC 12/2019 } target 2800/ kohls Visa 7000/ discover IT cb 5800 / 2nd discover IT cb 6000/mercury 4100 /legacy 3500 /HUE cc 3500/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4650, Penfed PCR signature visa 10k/ penfed gold 5600 /NFCU signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 40k
Total utilization above 50 pct.
Ficos ,most are slightly above 700, the 9's slightly higher than the 8's

TCL - about 110k
Retired since 2017
Message 22 of 28
CashOutReFi
New Contributor

Re: Kohls card very low limit

Are we saying both the base Kohl's store card, and the Most Valued Customer version hit max CL at $3000? 

One thing I thought was odd, was one user on here had a Kohl's MVC in the signature/footer of a post, but it appeared to have a MasterCard logo in the bottom right corner. 

A quick google search shows no such MasterCard product (most recent design, too, so if it existed - and recently - its existence should be able to confirmed!) 

Message 23 of 28
FinStar
Moderator Emeritus

Re: Kohls card very low limit


@CashOutReFi wrote:

Are we saying both the base Kohl's store card, and the Most Valued Customer version hit max CL at $3000? 

One thing I thought was odd, was one user on here had a Kohl's MVC in the signature/footer of a post, but it appeared to have a MasterCard logo in the bottom right corner. 

A quick google search shows no such MasterCard product (most recent design, too, so if it existed - and recently - its existence should be able to confirmed!) 


@CashOutReFi - Kohl's does not have a MC version at all, let alone a WEMC. The above image was used eons ago and has been a playful joke to those who aspired for Capital One to issue a MC version of the Kohls CC.

 

With that being said, the highest confirmed CL is $5K. Some of us were able to break to $4K. But, the current cap is $3K, whether MVC or base level.

Message 24 of 28
FalconSteve
Valued Contributor

Re: Kohls card very low limit

I wouldn't close it, it shouldn't hurt you being open (of course there are hundreds of scoring models, so I can't say for sure about EVERY one, but none that I know of look at your average limit), but I would not close it, especially if you ever got to Kohls (the Kohls Charge has pretty decent discounts associated with it from time to time).

1/8/17 Discover $18300 CL- $1k SL- AU, wife
1/26/20 AmEx Cash Magnet $35k CL, wife
2/19/20 BB&T/Truist Rewards $11k SL- impulse application
2/22/20 Citi Double Cash WEMC $2.9k-->$4.4k-->$8.4k-->$13.4k-->$17.4k-->$19.4k-->$22.4k AU, wife
3/8/20 Wells Fargo Propel AmEx/Autograph VISA $2900-->$3200-->$5000-->$8800-->$13k CL- AU, wife
3/9/20 Truist Rewards $11k SL- AU, wife- impulse app
3/21/20 REDcard MasterCard (TD Bank) $2500-->$6000-->$6500 CL
11/24/20 AmEx Cash Magnet $10k SL-->36hr-->$20k-->$35k CL
6/10/21 SoFi World Elite MC $7000 SL
1/19/22 AppleCard/GS $6k-->$10k-->$11k-->$12k AU, wife
8/15/22 Chase freedom flex $10.3k SL-->$12.5k-->$15k-->$19k AU, wife
7/5/23 Lowes/Synchrony $4k-->$10k-->same day-->$35k CL
8/2/23 Chase freedom flex $19k --> $22.8k-->24.3k CL
8/2/23 Discover $8k SL
Message 25 of 28
K-in-Boston
Credit Mentor

Re: Kohls card very low limit


@FinStar wrote:

@CashOutReFi wrote:

Are we saying both the base Kohl's store card, and the Most Valued Customer version hit max CL at $3000? 

One thing I thought was odd, was one user on here had a Kohl's MVC in the signature/footer of a post, but it appeared to have a MasterCard logo in the bottom right corner. 

A quick google search shows no such MasterCard product (most recent design, too, so if it existed - and recently - its existence should be able to confirmed!) 


@CashOutReFi - Kohl's does not have a MC version at all, let alone a WEMC. The above image was used eons ago and has been a playful joke to those who aspired for Capital One to issue a MC version of the Kohls CC.

 

With that being said, the highest confirmed CL is $5K. Some of us were able to break to $4K. But, the current cap is $3K, whether MVC or base level.


Adding on to this, we know of ONE person who has a limit higher than $4k (the aforementioned $5k) and I believe that was obtained well before Capital One acquired the Kohl's portfolio.  Even the allowance to $4k for some of us was only a very brief period in the summer of 2017.

Message 26 of 28
Creditin
New Contributor

Re: Kohls card very low limit

Just a footnote,

A low CL bring low limit cards. According to Mother Synchrony.

No problem if you have higher credit limits in other cards though.

My 1st cards were blood, sweat and tears. 300CL in a Cap1 Platinum.

Now they see 10k to 15k CLs and that's what I get from the lenders.

Cheers.

Message 27 of 28
Legal_Girl
Frequent Contributor

Re: Kohls card very low limit

My C/L is $5k and has been for about 6 or 7 years.  There are certain things on sale I will buy, or use Kohls cash, etc.. But, I only go there 3 or 4 times a year.

Homeowner Again as of July 17, 2014. Thanks to the VA and NFCU. FICOs EQ - 786/EX - 782/TU - 778/Quicksilver $3,500 / Cred 1 $2,875 / 1st Natl $5,250/ Kohls Visa $5k / Mercury MC $5,850 / NFCU Visa Sig Cash Rew $27k/ Lowes $25k / Best Buy Visa $11k/ NFCU LOC $15k / Walmart MC $7.5k / Chase Freedom Unlimited $1,500 / Discover IT $27,000 / Discover IT Chrome $21,500 / Citi DC $7,300 / AMEX Blue Cash Preferred $17,500 / Citi Simplicity $18,500 / Citi Strata $9,700/ Care Credit $18k/ AMEX Gold - NSL / Chase Sapphire Preferred $20,500
Message 28 of 28
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