Target CLI Policy

[FinStar]

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@B335is wrote:

You all made me go check my account.  Nope, still massive $200 limit for 16 years lol. 

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Massive indeed!  Look at Creditaddict's Target collection...not 1, not 2, but 3!!  So what keeps you from closing it?  Other than established history.

[B335is]

You talked me out of telling them where to go with $200 CL, Finstar

[lg8302ch]

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@Anonymous wrote:

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@lg8302ch wrote:

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@tempusfugit123 wrote:

Until they start showing signs that they are more customer friendly with increases I wouldn't bother getting this card.

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That is exactly the reason why I got the Target RED debit card. No cut in AAoA and no problem with util due toy limit no high APR but it comes with FREE shipping and 5%. This is all I care about on this card anyhow.

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Isn't it scary to give Target access to your checking account? Hopefully Target doesn't get hacked again, because a lot of the RED debit card users got their bank accounts drained, while the Target CCs were unaffected.

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No.. just use a secondary checking account. Still hope I never have to experience their 0 fraud liablility   ....for the moment I am way more concerned about "contactless payment"   ..for the past 8 months I have been using PayPass heavily.

[rbon]

I too logged in yesterday to see an increase from $300 to $800. I think they are doing it for the holidays. Nice to get the increase though.

[trumpet-205]

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@lg8302ch wrote:

No.. just use a secondary checking account. Still hope I never have to experience their 0 fraud liablility   ....for the moment I am way more concerned about "contactless payment"   ..for the past 8 months I have been using PayPass heavily.

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Sorry to break it to you, but there is no 0% fraud liability with their debit card. If you report the loss of the card or the fraud with 4 business days you are liable up to $50, $500 if between 5 to 90 business days, or full amount after 90 business days.

Contactless payment is way more secure than you think. NFC (near field communication) means in order for thieve to steal your card info he/she must be standing literally next to you. The range of these RFID chips are increadibly short.

[ViaViaVia]

Security is theater guys so dont get caught up in the method of transfer. All transation methods are falilble Checks, NFC, Magstripes and Cash. All can be cloned or repeated.

Funny the low tech method of balancing your books to make sure no fraud is commited and to catch it early works best.

[pomp2]

I just logged into my account today and noticed that I had a $500 cli. I went from $300 to $800 and I have had the card 6 months as of this month.

[Snookie517]

Hi :-)   I have had my target card for 5 or 6 months and was started at a 300 limit ,  logged into my account and am at 800 without requesting a CLI !  So pleasantly surprised there ..... i use my card a bit and never PIF but always pay at least a little over minimum so who knows what they go by !  But these are big strides for me in the credit world lol !  I was bumped from 500 to 2500 on my quicksilver credit steps just this week too !  And was just discharged ch 7 in Feb of this year so this is one happy girl right here     i really need to learn to garden tho !  Inquiries are not my friend but ive never had access to much credit cuz my ex husband sucked with money so its hard to resist .....

[ddemari]

I have been stuck at 300 dollars for 15 months. just called, a very nice rep. took my annual income and monthly take home salary and said I would receieve a letter in the mail. 

[tempusfugit123]

Hadn't had an increase on this card since 2008. Logged in to see that it was increased by $300. Pretty disappointed, but at the same time happy lol