Target $200 CL - Close it?

[Lin55]

I've had this card for a year and could never get a CLI. Should I just close it? I already have the Target Debit Card for the free shipping incase I need to use it. What would u do? It wont hurt my AAoA. In fact, assuming if nothing else changes, closing the card will increase my AAoA in 10 years.

My cards:

Card	Bal	CL	%	Year Opened
Chase Sapphire Preferred	$3,200.00	$12,000.00	27%	2014
Chase Explorer	$-	$12,000.00	0%	2014
Chase Slate	$-	$1,000.00	0%	2003
Citi AAdvantage	$3,442.09	$5,050.00	68%	2004
Citi - Best Buy	$-	$900.00	0%	2007
GE Capital Retail - PayPal	$-	$2,500.00	0%	2013
BofA Travel Rewards	$-	$1,600.00	0%	2004
Commenity - Express	$-	$900.00	0%	2010
Discover IT	$-	$500.00	0%	2012
TD Bank - Target	$-	$200.00	0%	2013
Amex Platinum	$-	$-	0%	2012
Total =	$6,642.09	$36,650.00	18%	AAoA: 6.6 yrs

[Creditaddict]

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@Lin55 wrote:

I've had this card for a year and could never get a CLI. Should I just close it? I already have the Target Debit Card for the free shipping incase I need to use it. What would u do?

My cards:

Card	Bal	CL	%	Year Opened
Chase Sapphire Preferred	$3,200.00	$12,000.00	27%	2014
Chase Explorer	$-	$12,000.00	0%	2014
Chase Slate	$-	$1,000.00	0%	2003
Citi AAdvantage	$3,442.09	$5,050.00	68%	2004
Citi - Best Buy	$-	$900.00	0%	2007
GE Capital Retail - PayPal	$-	$2,500.00	0%	2013
BofA Travel Rewards	$-	$1,600.00	0%	2004
Commenity - Express	$-	$900.00	0%	2010
Discover IT	$-	$500.00	0%	2012
TD Bank - Target	$-	$200.00	0%	2013
Amex Platinum	$-	$-	0%	2012
Total =	$6,642.09	$36,650.00	18%	AAoA: 6.6 yrs

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if you already have the debit card then sure... someone reported just a couple weeks back that they closed a stuck $200 CL target card last year and this year with good credit applied and got $3k!

I really had hopes when TD took them over they would change the policies but they are worse than Capital One!

[SunriseEarth]

People have had more success with closing and applying for a new one later.  I say close it, if it serves no purpose to you. 

[Lin55]

Thanks for the suggestions. The ONLY thing that i'm afraid of is that they might shut off the debit card since I see that as kind of a money loss for them (5% off everything AND free shipping?). I'm assuming they make more $ off the credit card.

But as you guys said, it will probably stay at $200 forever, lol. thanks

[indiolatino61]

We're in the same boat, LIN...lol. Mine hasn't budged in over a year as well. Since it has no AF, I just leave mine open. I don't buy much there, so I don't really need a CLI. I have a feeling this card is not going to go anywhere for a long time, if at all. I also see your Discover is trailing behind as well, just like mine.... The best of luck to you.

[Lin55]

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@indiolatino61 wrote:

We're in the same boat, LIN...lol. Mine hasn't budged in over a year as well. Since it has no AF, I just leave mine open. I don't buy much there, so I don't really need a CLI. I have a feeling this card is not going to go anywhere for a long time, if at all. I also see your Discover is trailing behind as well, just like mine.... The best of luck to you.

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Lol, that's TD for ya! 

Yeah, I've tried to CLI SP the Discover many times, no go!

On another note, @@Creditaddict recommended that I call for a SP CLI and ask for $10K for my PayPal card. I called right away and it bumped from $2500 to $10K today! So weird how that works. So easy for one lender, stuck at under $1000 for many others!

[flowfaster]

My Target card has been at $200 for almost 4 years.  HA I'm reaching 150K in revolving credit and this Target card haunts me so.   AH, it's the small things in life that get you.

Anyway, screw it, I'm closing it!!!!!!!!!!!!!!!!  Take that Target.