03-18-2013 10:21 AM
I've had the Target Red Card for 5 years with a cl of a measly $200. I've never had a late payment, always paid more than the minimum due, and my credit score across the board has increased in the last 5 years from the low to mid 500's to the mid 600's.
I called and spoke to the supervisor, and she said there was nothing I can do, that the increases are automatic.
what does it take to please these people?
I don't get it.
03-18-2013 10:41 AM
All I know is what I was told last week by a rep there, that you're more apt to get a CLI with frequent usage no matter if carried over or PIF, or how much or little you spend.
03-18-2013 11:04 AM
so what your saying is if I just go in and buy a soda with my red card every day and pay off let's say once a week, I will have a better chance to raise my credit limit?
but if it works, I'll do it.
03-18-2013 11:21 AM
LOL that's what it sounded like to me! I reiterated with him - it's not the purchase amount, it's not when paid, it's the frequency of purchases. My boyfriend needs dishtowels. I'm going shopping tonight for $5 dishtowels. lol
03-18-2013 05:50 PM
03-19-2013 08:15 AM
With TD bank taking over management of the portfolio, there have been some reports of some long-time people getting increases (e.g. $300 --> $500).
My TARGET Visa got an increase not long ago under TD Bank, limit is now $5,500. I do use it frequently and PIF as well. Then again, I've had this account since 2001 when it was under TNB.
03-19-2013 08:19 AM
You should try a different card. I usually hate everything that is Capital One but you should be able to qualify for one of their cards. Store cards are waste of time IMO.
Of course YMMV
03-20-2013 04:28 PM
Several years ago I got a loan and paid mine off... their thanks for me was to lower my limit from $5000 to $500....could not give me any reason. Had very good credit.
4 years later, still $500. Rarely use it.
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