Target Visa's got no love

Anonymous · ‎08-13-2009

Apparently Target Visas no longer accept CLI requests. I just called the number on the back of my card since it has been 2 years since my last CLI (I requested one via the automated system and my CL went from $500 to $1000). There used to be an option to "request a CLI". Now there is an option to "hear our CLI policy". It said something like "TNB is no longer offering CLIs on our credit cards"!! I wonder if that means no CLIs at all or just no consumer requested ones? Any body know anything?

DI · ‎08-13-2009

Target is decreasing CL. Its my oldest card (10/2000), so I never argue with them. My line decresed to $1000 from $1500. When they did that, I asked them to decrease it to $500. I rarely used the card. I made a recent purcahse to keep it from being close.

Anonymous · ‎08-13-2009

@Anonymous wrote:
Apparently Target Visas no longer accept CLI requests. I just called the number on the back of my card since it has been 2 years since my last CLI (I requested one via the automated system and my CL went from $500 to $1000). There used to be an option to "request a CLI". Now there is an option to "hear our CLI policy". It said something like "TNB is no longer offering CLIs on our credit cards"!! I wonder if that means no CLIs at all or just no consumer requested ones? Any body know anything?

You're not going to get a CLI anytime soon. They are in CLD mode. Target Financial Services has never been good and they are now terrible. There must be something they know about their own customers that they don't like...

Anonymous · ‎08-13-2009

@Anonymous wrote:
@Anonymous wrote:
Apparently Target Visas no longer accept CLI requests. I just called the number on the back of my card since it has been 2 years since my last CLI (I requested one via the automated system and my CL went from $500 to $1000). There used to be an option to "request a CLI". Now there is an option to "hear our CLI policy". It said something like "TNB is no longer offering CLIs on our credit cards"!! I wonder if that means no CLIs at all or just no consumer requested ones? Any body know anything?
You're not going to get a CLI anytime soon. They are in CLD mode. Target Financial Services has never been good and they are now terrible. There must be something they know about their own customers that they don't like...

Interesting point.

pattycake · ‎08-13-2009

Target decreased my CL from $5K to $3K last month. The company is losing money on their credit products, and is cutting back to stay profitable. I rarely use mine since the APR is way too high.

pattycake's FICOs: 6/2/10 - TU: 708; EX: ???; EQ: 749

Anonymous · ‎08-13-2009

They gave me a cli last month from $1500 to $2500 when i called the number on the back of the card. I had used the card twice in a month and pif both times 1 week later.

Anonymous · ‎11-30-2009

@Anonymous wrote:
Apparently Target Visas no longer accept CLI requests. I just called the number on the back of my card since it has been 2 years since my last CLI (I requested one via the automated system and my CL went from $500 to $1000). There used to be an option to "request a CLI". Now there is an option to "hear our CLI policy". It said something like "TNB is no longer offering CLIs on our credit cards"!! I wonder if that means no CLIs at all or just no consumer requested ones? Any body know anything?

no they are not, i call yesterday and the csr told me automatic now. they review ur every month at the end of the month... a least u got an increase im stuck with an lousy 200 dollars

Anonymous · ‎11-30-2009

@Anonymous wrote:
@Anonymous wrote:
Apparently Target Visas no longer accept CLI requests. I just called the number on the back of my card since it has been 2 years since my last CLI (I requested one via the automated system and my CL went from $500 to $1000). There used to be an option to "request a CLI". Now there is an option to "hear our CLI policy". It said something like "TNB is no longer offering CLIs on our credit cards"!! I wonder if that means no CLIs at all or just no consumer requested ones? Any body know anything?
You're not going to get a CLI anytime soon. They are in CLD mode. Target Financial Services has never been good and they are now terrible. There must be something they know about their own customers that they don't like...

Store credit is a conflict of interest. On the one hand they like to issue credit in order to boost store sales and profits...but then this in turn can create an unprofitable finance company which defeats the other.

Sears Financial went through similar issues. They had to get rid of Discover and outsource their store cards.....seems like most Dept Stores cannot manage both sides.

Nordstrom seems to be the exception to this rule.