08-26-2012 12:06 PM
I 'think' I hold the Target record....I have had a Target store card since 1986 with a limit of $200. It stayed at $200 until it went up to $500 in 2009. I called once for an increasse and was told they are not giving CLI's. The only reason I still have it open, but in the sock drawer, is that it is my longest history card.
FYI My ficos are 798(TU), 801(EQ) and 813(EX pulled for Citi signature)
So it matters not what your score or credit history is.
08-26-2012 12:10 PM
@LittleCat Wow! I will stop complaining about my $500 limit since 2009.
10-18-2012 10:48 PM - edited 10-18-2012 10:52 PM
I was approved for the Target store credit card in mid June 2012, with a $200 cl. I was surprised because I'm rebuilding, and my scores are in between 505-530, fluctuating monthly. About a week ago I went on to Target's site to check to see if my payment went through, and I noticed that they bumped me up to $500. I PIF every month, and I was utilizing over 50% when I had the CL of $200. I don't know if that was a help in this sudden increase.
In September I was bumped up to $500 on my Cap One No Hassle Rewards Card (green one) bc I am in the Credit Steps Program. I also threatened to close both of my First Premier cards and they raised my CL by $200 on both cards so I would keep them open, so I have $450 CL on 1 and $700 on the other. So maybe Target saw these increases, and that could have been a factor in this as well. Just wanted to input my experience with Target, and thank you all for posting, I read through these threads pretty much every week.
10-18-2012 11:29 PM
i was approved online for a $200 cl, credit score was 665.......$200 seems to be the magic number now days with target.
10-19-2012 03:09 AM
The only downfall the Target Debit Card has, is that it takes 4-6 days to come out of your account. Which really isn't a downfall if you manage your money, Lol.
10-19-2012 03:34 AM
My credit score is around 740 and I have 4% UTIL.
Got approved for $300. Kinda pathetic, but I get my socks and cheap tshirts there so getting the free shipping and 5% cash back was worth it.
10-19-2012 12:38 PM
AVOID THIS CARD...
sure, the 5% discount is great, but they will NOT BUDGE ON CLIs....
I got a $300 limit in 2010; my FICO was like 650'ish. Then after a year, I did not get a cli.. so I called every month for a few months. They were eager to give me coupons or discounts, but never a cli...
I'm sorry, but that low of a limit is a dent in my score... Target National Bank can kiss it ;-)
10-19-2012 01:35 PM
Too late lol. I app'd back in Sept at the reg and was approved for $200 lol. It actually increased my EQ Fico 5 pts because of util. I'd already taken a hit on the inq/AAofA/new acct for the walmart I app'd and was approved for last month also. At this point, I'm rebuilding. Trying to take all the credit they want to give me.
10-19-2012 02:14 PM
Target is so weird with their CLIs. I didn't think mine was ever going to grow, either. For a while there, they were having batches of CLIs, & the forums were full of people surprised to finally be getting a raise. I was never one of those people, & I was so jealous! I kept going back & forth about closing my card, but I couldn't justify it, since I love to shop at Target. I really thought I would be stuck at $200 forever.
Eventually, I think after 2 years or so of having the card, I finally got a big jump (relatively) from $200 to $1,000. I was amazed! After that, I *think* (don't really recall) it went to $1,400 or $1,600, & then to its current $2,050. There might have been another step in there somewhere. That last CLI was September 2011. I don't really care that much, because I will shop at Target anyway. I've learned to be patient with them, & they'll eventually get around to raising my limit.
10-19-2012 03:11 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.