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Target won't raise my credit Limit

Member

Target won't raise my credit Limit

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. 

 

what gives?

 

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.

 

 

 

EX 629 TU 640 EQ 660
Message 1 of 23
22 REPLIES
Established Contributor

Re: Target won't raise my credit Limit

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.

FICO: EQ 768 | TU 813 | EX 781

Amex BCE $25000, SFFCU Visa $15000 + LOC $5000, USAA Amex $6000, USAA MC $7000, Cap1 $8000, Freedom $12000, Slate $500, Barclays "RIP" SM $11500, USBank Cash+ $7500, Citi Diamond $7900, Citi Double Cash $3700, Care Credit $13500k.
My Credit Repair Journey
Message 2 of 23
Member

Re: Target won't raise my credit Limit

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? 

that's nuts!

but if it works, I'll do it.

EX 629 TU 640 EQ 660
Message 3 of 23
Established Contributor

Re: Target won't raise my credit Limit

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

FICO: EQ 768 | TU 813 | EX 781

Amex BCE $25000, SFFCU Visa $15000 + LOC $5000, USAA Amex $6000, USAA MC $7000, Cap1 $8000, Freedom $12000, Slate $500, Barclays "RIP" SM $11500, USBank Cash+ $7500, Citi Diamond $7900, Citi Double Cash $3700, Care Credit $13500k.
My Credit Repair Journey
Message 4 of 23
Senior Contributor

Re: Target won't raise my credit Limit

This card is less likely to grow than a Capital One acct!
I got a $300 limit with a 650 FICO.
After a year+ of no clis, I closed it....
Target Red Card blows... Just my opinion...
I used it heavily-spending $500-1000 in a year and pif mostly. I never got a cli.
Don't count on it.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 5 of 23
Established Contributor

Re: Target won't raise my credit Limit

Seems this is a common theme from what I read around here. 


TU713, EQ 731 , EX 726 (As of 12/13/14) - Personal Goal = 760

“Beware of little expenses. A small leak will sink a great ship” – Benjamin Franklin

Gardening since 3-26-15































Message 6 of 23
Contributor

Re: Target won't raise my credit Limit

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).

Message 7 of 23
Community Leader
Senior Contributor

Re: Target won't raise my credit Limit


haiti222 wrote:

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.

Message 8 of 23
Regular Contributor

Re: Target won't raise my credit Limit

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


EQ 733 3/3/13 GOAL: 800 Merrill Lynch Merrill+ $12,500 | AMEX BCE 6K | AMEX PRG NPSL | CSP 6K | Freedom 5K | Discover IT 5K | HVFCU 10K | American Eagle Visa 5K | Citi Thank You Preferred 6,100

In the garden since 4/22/13 | Hating on Capital One since '09
Message 9 of 23
Established Contributor

Re: Target won't raise my credit Limit

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.


Starting Score: EQ 679, TU 697
Current Score: EQ 680, TU 672
Goal Score: EQ 720, TU 720


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Message 10 of 23