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Target Red

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joeyoey
Frequent Contributor

Re: Target Red

Back when I had pretty decent credit (before I wrecked it in 2009 & started to rebuild this year), I had a Target card for about 5 years.  They started me out at $300 & I used it a LOT & I always paid on time...never once late or missed a payment.  I requested a CLI about twice a year & they'd never give it to me.  I could never understand why someone who is a good customer could never get an increase. 



Starting Score (02/01/2014): EQ 548 EX 548 TU 564
Current/Most Recent FICO Score (4/01/2015): EQ 686 EX 668 TU 669
Nov 1, 2015 Goal: 700 Across all 3

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Message 11 of 21
gingerflower
Valued Contributor

Re: Target Red

Yes, target"Sucks"....
Message 12 of 21
JoshuaHolySpirit
Frequent Contributor

Re: Target Red


@Skye12329 wrote:
Ive had mine for 2 years now. Ive maxxed it before, paid it in full before, carried a balance before....tried all kinds of patterns and things to see and i too am stuck at a $200.00 limit. It no longer really gets to breathe air anymore from the safe. Probably lost in the system.

I had mine issued in 2003, never used after until 2007, & it keeps getting better....:-)...;-)

 

They closed my $200 account for inactivity after contacting them on ''locked out'' account-!!!

Nothing until I called and they closed me for wanting to use the card......bummer-!!

 

 

No worries though. I've grown up a lot in Credit Land.

Capital One QS1, Capital One Journey, Williams-Sonoma Visa, Amex Travelocity, Chase Slate, Amex SPG, Amex Blue Sky, Bank of America Travel Rewards, JCPenney...and more ( Holy Spirit rocks-!! ) TU-Fico-777
Message 13 of 21
Anonymous
Not applicable

Re: Target Red

Very similar stats as far as my target card... Had it since 04 or 05, started with about 250 cl, but as my score improved years ago I got an auto cli that raised it to 1,000... But in the past 4 or 5 years it's stayed the same and they won't give me a sp cli request, the only way for me to request it will result in hp. 

Message 14 of 21
Anonymous
Not applicable

Re: Target Red


@Duffenbrau wrote:

Target really is strange. My scores are under 700, and I started out with $300 four months ago. I still haven't used the card once, no statements generated, $500 auto CLI to $800 total.


Maybe they gave you an increase with the hopes that you might use your card. I received a $700 increase in December and I had used my card only one. After I used it, I immediately paid it off. I just added myself to the list for CLI review. Hopefully, I get it. I love shopping at Target!!!

 

Message 15 of 21
Anonymous
Not applicable

Re: Target Red


@Anonymous wrote:

After reading some of the starting balances in several threads, I think I will just hold off on this card


I agree. I applied last year and was rewarded with a 2K initial limit. Then in December they gave me an auto CLI of $700. 

Message 16 of 21
Anonymous
Not applicable

Re: Target Red


@lostsols wrote:

New apps are getting higher approvals. I got a $2k initial limit, and then an auto cli to $2700 after 6 months. So it happens. 


I agree. I was initially approved for the same limit and then received an auto CLI of $700 in December.

Message 17 of 21
Anonymous
Not applicable

Re: Target Red

just got off the phone with target cc. read a post a few weeks ago that you had to update your income. went online to do so, couldn't find where to do it. called, and asked about cli, he said i hadn't updated my income, and was therefore not eligible for the monthly cli review. i gave him my income and he says i am now included in the review.

 

a lot of the newer customers seem to be getting  cli's more than the older customers - maybe their income is being carried over from the app?

anyways, call and update your income.

Message 18 of 21
dbatl14
Contributor

Re: Target Red

I got my Target Red Card 3 months ago and they just auto  increased by $500. I started out with $300 and it's now $800. I had fair usage but PIF everytime.

My Wallet: Amex Everyday: $7000 | Amex PRG: NPSL | AMEX Business Reward: NPSL | Amex Hilton Aspire: $9300 | Amex Delta Gold: $15000 | Amex Business Plat: NPSL | BofA Cash Rewards: $22000 | Travel Rewards: $15000 | NASA FCU Advantage: $17,500 | DCU Platinum: $5000 | Barclaycard Rewards: $3500 | Capital One QS: $8500 | Capital One Platinum: $2250 | Capital One Spark: $7500 | Fidelity Bank: $3400 | Nordstrom: $16500 | Macys: $10000 | Walmart: $3300 | Amazon: $6000 | Target: $14500 | | Chevron/Texaco: $3000 | Discover IT: $4700 | Apple Card: $2450 | Citi Double Cash: $4000
Message 19 of 21
laryn41
Frequent Contributor

Re: Target Red

They asked me to update my income so they increased it to $500. With a 805 credit score I thought it would be more. Especially since I don't have much debt cause I pay off things fairly quickly. 

Message 20 of 21
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