No, you cannot use your Kohl's Credit Card anywhere. The Kohl's Credit Card is a retail store credit card, which means this card can only be used in-store at any Kohl’s location or for online purchases on the Kohl’s website or mobile app.
Unfortunately, Kohl’s does not offer a co-branded store card. Co-branded store cards are tied to one of the major credit card networks such as Visa or Mastercard, and they can be used anywhere the network’s credit cards are accepted.
You can request a Kohl's Credit Card credit limit increase online, or by calling customer service at the number on the back of your card. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income Capital One has on file. Capital One will be more likely to increase your credit limit if the revised income clearly shows that you can afford a higher limit.… read full answer
How To Get a Kohl's Credit Card Credit Limit Increase Online
Choose the Kohl's Credit Card from the list of account options (if you have more than one Capital One card).
Click “Account Summary,” and then “Request Credit Line Increase.”
Enter the required information.
Confirm the information entered and click “Submit” to complete the request.
You should receive a decision in just a few seconds. If you’re approved for a Kohl's Credit Card credit limit increase, the new limit is effective immediately.
Impact of a Kohl's Credit Card Credit Limit Increase on Your Credit Score
When you request a Kohl's Credit Card credit limit increase, Capital One will conduct a hard pull of your credit report, which will cause a short-term dip in your credit score. Capital One cannot do a hard pull without your permission, though.
Alternatively, you could be eligible for a Kohl's Credit Card credit limit increase without even requesting one. The Kohl's Credit Card may offer an automatic credit limit increase if Capital One’s regular review of your account shows a history of on-time payments and low debt. An automatic credit limit increase involves a soft pull, which does not affect your credit score.
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