- Centurion Member
- Posts: 4046
- 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?
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt, Arrival
May close or PC: Prestige, BrooksBros
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech