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Regular Contributor
Drew
Posts: 209
Registered: ‎03-27-2007
0

Target REDcard CLI

[ Edited ]

Has anyone ever tried requesting a credit limit increase in-store? I am thinking about going to Target's customer service and saying that I am looking to purchase a specific plasma television that is over $1,000.00; therefore, I would need an increase in the credit limit to purchase with the REDcard.

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Established Contributor
VirtualCuriosity
Posts: 678
Registered: ‎09-10-2010
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Re: Target REDcard CLI

Let us know if that works out.  Pretty curious since the DW has the Target card.


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Frequent Contributor
suzook1
Posts: 290
Registered: ‎08-29-2011
0

Re: Target REDcard CLI

6 years of on time with those guys, pif each month etc etc. $500 limit never moved an inch. Closed it a week ago. why bother with target with so many other great options out there

Epic Contributor
Creditaddict
Posts: 21,016
Registered: ‎10-23-2007
0

Re: Target REDcard CLI


Drew wrote:

Has anyone ever tried requesting a credit limit increase in-store? I am thinking about going to Target's customer service and saying that I am looking to purchase a specific plasma television that is over $1,000.00; therefore, I would need an increase in the credit limit to purchase with the REDcard.


I suspect the difference in the answer is they won't have a script and will be in whichever state you are in not in whatever country Target CSR's are in!

NO, Target reviews cards EVERY month and IF your account qualifies we will be sure to increase the line.

 

Just say = "NO CLI, our business model has made us millions and we are not changing it currently, keep the card for the 5% and ignore the credit line or would you like me to close it for you now?" I think I would actually accepted it easier!

Fico Scores: EQ- 682 DCU, TU 696 Walmart, EX 686 Prosper(10-30-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
63 Cards and Counting :smileytongue:
Regular Contributor
Drew
Posts: 209
Registered: ‎03-27-2007
0

Re: Target REDcard CLI

Hi Creditaddict. It sounds like you have either had a CLI from Target before or work for Target. Is it the former, the latter, or both?

American Express Blue Cash Everyday $25000
Capital One Venture World MasterCard $10000
Chase Freedom Visa Signature $10000
Chase Sapphire Visa Signature $15000
Discover IT $8000
GEMB Old Navy Visa $25000

Valued Contributor
FinStar
Posts: 6,133
Registered: ‎10-21-2012
0

Re: Target REDcard CLI

Their underwriting standards and growth model may improve over time under TD Bank, but how far reaching to their entire CC portfolio is unknown.  I still have the Target Visa which received an automatic CLI to its present CL $5,500 a couple months ago.  I use the CC moderately but their CLIs are like a moving target - no pun intended.  As far as requesting a CLI at the store to accommodate such a large purchase, it will not happen, unfortunately.

Epic Contributor
Creditaddict
Posts: 21,016
Registered: ‎10-23-2007
0

Re: Target REDcard CLI


Drew wrote:

Hi Creditaddict. It sounds like you have either had a CLI from Target before or work for Target. Is it the former, the latter, or both?


I had 4 Target Cards... I still have 3, 1 of which is from 1999! ($300) CL. 2 Cards I opened in 2008 for $200 each and a 2009 card.  1 of my 2008 cards in 2009 for some reason caught a couple of the mass rounds of CLI's many of us got back then.... from $200 to $1000 and then a few months later a random jump up to $1500.  all my other cards have sat with nothing... I have called 1 at a time, all at a time, wrote the president of the company, tried to combine... everything and I have gotten no where ever!

I have tried to max the cards and PIF, max the cards and revolve for long periods of time, never seemed to be any factor rather I got an increase or not.... 

Fico Scores: EQ- 682 DCU, TU 696 Walmart, EX 686 Prosper(10-30-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
63 Cards and Counting :smileytongue:

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