Valued Contributor
Posts: 2,777
Registered: ‎10-10-2012

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 809 EX 774 TU 805
App free since 4/11/13
New Visitor
Posts: 1
Registered: ‎11-10-2013

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 next:smileyhappy:
Valued Contributor
Posts: 1,346
Registered: ‎04-15-2011

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: 601
Registered: ‎01-04-2009

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.

    $17.3K          $500              $7K              $15K              $5K             $2300          $3200          $2000          $1500          $1000           $8100

Garden Since: 9.25.2013
Established Member
Posts: 18
Registered: ‎08-02-2012

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. 

Regular Contributor
Posts: 230
Registered: ‎09-09-2010

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: 59
Registered: ‎08-14-2012

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 ($2450); HSN ($1800); Amazon ($1700); Sportsmans Guide Visa ($1800); Target ($700); Victoria's Secret ($900)

EX: 730, EQ: 785, WM TU: 808
Established Contributor
Posts: 1,013
Registered: ‎10-15-2011

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.

Grow little seedling grow.

Rethink every purchase you make, before you make it. Use the card with the best rewards. Pay in full each month. Redeem rewards often. Use the cards online shopping for more discounts. Smile, knowing that being thrifty allows you to actually get more out of the same amount of money!
Posts: 84
Registered: ‎03-11-2011

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+

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Established Contributor
Posts: 704
Registered: ‎03-16-2013

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.

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