- Centurion Member
- Posts: 3535
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
As far as all CRs are concerned, my Kohl's has a perfect payment history. They did lower my CL from $800 to $600, however.
I'm not sure how creditors react when they see a CL goes down on a store card with no reported default. A very attentive future creditor may see it as a bad thing.
You might be able to get discounts that are nearly as good using Discover. If you use the Kohls card to save 5% on a $300 purchase, that's only $15 but would make one card report with 50% utilization. That might spook other creditors if the balance reports?
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
2017 ideas: Delta Gold, Wyndham, Hilton Reserve, SPG, First Tech or UNFCU, Freedom Unlimited, Aviator, Fairmont, R-C, Sapphire Reserve
Letting new accounts cool off since May