Credit Card Center Advertiser Disclosure†
05-24-2013 03:47 AM
This is one card I don't even have a desire to get. Yeah it has the rewards for shopping at Target, but I actually now boycott this store. I used to have a great impression of them, but over Christmas I had an issue with them selling me something online to only find out that they did not have it and wouldn't have it for a month and then never have it. I simply asked for what I was due in that situation and kept repeatedly getting the runaround from them. They were nice enough to give me gift card for my troubles, but every time I get a gift card for my troubles which shouldn't have happened in the first place, I give it away. Places like the Girl Scouts love things like that. Even if they don't use it to purchase something, they use it as a lottery item or other such thing. (I don't think they believe me when I tell them that, but I don't care if they believe me anyway, I know I don't the cards.)
Knowing of their toy limits keeps me from getting into a hassle of even applying for a card with them. Yeah it is fairly easy to pay cards online these days, but do we really need to get online 4 times a month to do so, this is where it becomes a real hassle. I used to have that hassle with Capital One, so I wouldn't want to go through it again for an extended period of time. Imagine having a Target Card and a Capital One Card for 2, 3, 5, or more years stuck at a low limit. It might cause you to go into depression if you didn't know it was really their fault not yours. Hopefully TD will be a bit different and prove that to consumers in the future and then maybe I would get the card for the savings the very times I do shop there now.
05-24-2013 05:09 AM
My Target redcard is stuck at $1000 after a CLI from $200 about three years ago. I use it about once a month and PIF. I live in a state without tax on clothes, food, and other essentials, so I actually get some value from the 5% discount. I also shop online a lot, so the free shipping from target.com also makes the card worthwhile. It's not the greatest retail card in the world, but it's better than many of them out there.
05-24-2013 07:56 AM
05-24-2013 08:15 AM
I was also hoping that TD Bank would offer some increases once they obtained the accounts. I've had my card for 5 years. It started at $200 and a month later they raised it to $500 where it has been ever since. If it wasn't for the 5% savings, I probably wouldn't even use it.
05-24-2013 02:02 PM
05-24-2013 02:19 PM
Reading this thread reminds me so much of when I had a Target card. I called several times requesting a CLI within the 2 years I had it and got the same stale response about not performing customer initiated requests. I do not expect TD bank to be any different than Target Bank in managing these cards because they have no reason to. Most of Target's customers are perfectly content with a $200 limit (or else more people would have canceled the card by now). TD bank is quite stingy and I doubt they will change that for their Target card portfolio.
06-03-2013 06:26 PM
Came home today to a letter in the mail that said Target/TD increased my limit from $300 to $500 lol. I started with $200 last Sept, they up'd it to $300 around Dec, and then this. I think I have a couple cards over the 90% mark, so who knows, maybe if that wasn't the case, they would have given me more.
06-03-2013 06:50 PM
I used mine the day i got it at the store to buy a few shirts lol it was a number on a paper receipt.. 58 bux paid it back in 2 days and never used again. 300 limit ughhhh.. Once again Walmart wins! GE rox
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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.