Credit Card Center Advertiser Disclosure

Valued Contributor
Posts: 2,802
Registered: ‎10-10-2012
0 Kudos

Re: Target won't raise my credit Limit

Sad, but that is the exact reason why I got the Target Debit card instead.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Established Member
Posts: 30
Registered: ‎11-10-2013
0 Kudos

Re: Target won't raise my credit Limit

I've gotten 2 credit line increases- started at 200 in December 2012, up to 400 when TD took over then 600$ limit in September. Hoping for 1000$ and the Visa card nextSmiley Happy
Valued Contributor
Posts: 1,346
Registered: ‎04-15-2011
0 Kudos

Re: Target won't raise my credit Limit


Target Red is one of the worst ways to waste a HP.   It seldom gives a decent limit and almost never gives a CLI and even then, 90% of the time only up to 500 and on very rare occasion, 1000.


A friend has 2 (why I have no idea).  Has had the first one for over 6 years, never a CLI. 


Every time I shop there and the cashier asks me if I'd like to apply I nearly burst out laughing.   I simply tell them I don't shop there enough to warrant taking the 5 minutes to apply.

Established Contributor
Posts: 625
Registered: ‎01-04-2009
0 Kudos

Re: Target won't raise my credit Limit

I can confirm about usage.  I just recently got a CLI from $500 to $1000 after having the card just over 5 months.  I don't spend that much....maybe $25-75/mo but do use it regularly.

Established Member
Posts: 18
Registered: ‎08-02-2012
0 Kudos

Re: Target won't raise my credit Limit

I've gotten 3 CLIs in a year(started at $300 now at $1000). I frequent for small things like soap, shampoo, and laundry detergent since there's a Target pretty close to where I live. 

On the other hand, my roommate has a Target card for close to six years and his limit is only $350. 

Frequent Contributor
Posts: 322
Registered: ‎09-09-2010
0 Kudos

Re: Target won't raise my credit Limit

Buying something every single day would certainly be an interesting experiment. I live too far away to try anything like that.
Maybe order off the Internet every day? That'd be interesting!

Eq 702 TU 707 Exp 718
New Contributor
Posts: 63
Registered: ‎08-14-2012
0 Kudos

Re: Target won't raise my credit Limit

I got my Target card in June and just got a cli from $500 to $700.  I've only used it 3 times altogether.

Cap One Quicksilver ($10,000); Barclays Rewards WMC ($7200); Lowes ($4050); Wal-mart ($3250); HSN ($1800); Amazon ($2300); Sportsmans Guide Visa ($1400); Target ($700); Victoria's Secret ($900)

EX: 806, EQ: 780, WM TU: 806
Valued Contributor
Posts: 1,666
Registered: ‎10-15-2011
0 Kudos

Re: Target won't raise my credit Limit

From what I understand there are really only two nice things about the Red Card.  No shipping from online purchases and 5% discount.  I actually boycotted Target for the last year because of issues I had purchasing online.  I am certain they lost more profit than what I requested of them from their problems.  I actually really like Target stuff, but once you leave the store or shop online, there seems to be where the problems are.  I have read many a people who don't get anything from the credit card in aspects of CLIs.  I just got their card a short time ago because of the upcoming Black Friday sales.  I should probably prepay $1000 just to be able to have a conversation with them when my card gets declined for reaching my $500 limit!  At least Macy's gave me $800 and I would almost bet that limit will get increased at a much faster pace than their Red Card.

It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
Always accept candy from strangers because they have the best candy or from people you know have good candy.
Posts: 84
Registered: ‎03-11-2011
0 Kudos

Re: Target won't raise my credit Limit

I opened my account in Nov 2012 with a 200 credit limit, used the card for the first time in July and have been carrying a  balance.

Early October...CLI to 700.00

Just saw today ....CLI to 1200.00.


Starting Score: 534 11/09
Current Score: FICO 652 05/11
Goal Score: 700+

Take the FICO Fitness Challenge

Valued Contributor
Posts: 1,121
Registered: ‎03-16-2013
0 Kudos

Re: Target won't raise my credit Limit

My DW opened up a red card a couple of weeks ago her CL is $3000 she said the women at the counter said "wow you must have good credit" I guess I know why she said that to her after hearing the limits they like to give.

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.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* 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.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on 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.