Target won't raise my credit Limit

[colindidit]

Had a 1000 initial limit that was approved in 2011. Heavy usage til about august of 2012. Paid it off. Didn't use it after that. In august of this year Get a credit alert that a credit limit has been decreased. They had CLD to 200. Called and asked why and tried to get it reinstated because I told them I planned on using it on school stuff for the upcoming year. Said I'd rather close it then. CSR asked me to reconsider and use it and maybe that would reinstate my limit. Didn't use it. 2 months they closed it. I would have rather had them mail me a letter saying please use it or we will close rather than be surprised and not even want to use the card.

[TiggerDat]

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@colindidit wrote:
Had a 1000 initial limit that was approved in 2011. Heavy usage til about august of 2012. Paid it off. Didn't use it after that. In august of this year Get a credit alert that a credit limit has been decreased. They had CLD to 200. Called and asked why and tried to get it reinstated because I told them I planned on using it on school stuff for the upcoming year. Said I'd rather close it then. CSR asked me to reconsider and use it and maybe that would reinstate my limit. Didn't use it. 2 months they closed it. I would have rather had them mail me a letter saying please use it or we will close rather than be surprised and not even want to use the card.

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Oooh, I have actually never used since I opened it......   I wonder if things are still the same since TD took over?  (Was it TD?)

[FinStar]

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@bernhardtra wrote:

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@colindidit wrote:
Had a 1000 initial limit that was approved in 2011. Heavy usage til about august of 2012. Paid it off. Didn't use it after that. In august of this year Get a credit alert that a credit limit has been decreased. They had CLD to 200. Called and asked why and tried to get it reinstated because I told them I planned on using it on school stuff for the upcoming year. Said I'd rather close it then. CSR asked me to reconsider and use it and maybe that would reinstate my limit. Didn't use it. 2 months they closed it. I would have rather had them mail me a letter saying please use it or we will close rather than be surprised and not even want to use the card.

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Oooh, I have actually never used since I opened it......   I wonder if things are still the same since TD took over?  (Was it TD?)

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It really depends on who you ask.  Some have seen auto-CLIs and growth on their recent REDcard approvals (some have been approved for decent CLs), others who used to have accounts before TD Bank took over have seen some CL movements as well, yet there are still plenty of folks whose CLs have not made headway for years.  I'm kind of glad I kept my Target Visa, since it's not offered anymore.