- Centurion Member
- Posts: 3960
- 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?
Keeping indefinitely: IHG, SchwabPlat, CSP, Discover, Freedom, ED, BCE, Hyatt
May close or PC: Prestige, Arrival, BrooksBros
AA Platinum converting into Costco
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech
Letting new accounts cool off since May