Credit Cards Center Credit cards from our partners
Reply
Contributor
Posts: 93
Registered: ‎02-12-2008
0

Yeah!! Target shows some luv!!

I clicked on my Target account today before I went to buy my mom a mothers day card.
Well, Happy Mothers Day to me!!
CLI by $300!!
Went from $200 to $500.....3rd statement just cut on 5/9
 
Yeah!! That should shoot up the scores I hope : )
10/2007 TU 545 EX 538 EQ 529
2/2008 TU 628 EX 608 EQ 587
3/2008 TU 636 EX 627 EQ 613
4/2008 TU 637 EX 618 EQ 621
Established Contributor
Posts: 676
Registered: ‎01-24-2008
0

Re: Yeah!! Target shows some luv!!

Congratulations!
 
Am I understanding how this works?  Do you have to have actually 3 statements before they consider a CLI or is it just 3 months.  I have had the card for 4 months, but I never got a statement until today because I did not use the card until last weekend.
*Note to self* Remember why and for how long you had to rebuild in the first place! One Day at a Time, One Day at a Time!
Contributor
Posts: 93
Registered: ‎02-12-2008
0

Re: Yeah!! Target shows some luv!!

I can't answer that b/c I love Target!
But it was 3rd statement
10/2007 TU 545 EX 538 EQ 529
2/2008 TU 628 EX 608 EQ 587
3/2008 TU 636 EX 627 EQ 613
4/2008 TU 637 EX 618 EQ 621
Contributor
Posts: 90
Registered: ‎01-01-2008
0

Re: Yeah!! Target shows some luv!!

Congrats!  Was your card almost maxed out, did you have a small balance or was your balance 0?  My 3rd statement cuts on the 15th, so I hope I get some luv (I have 10% utilization on it now).

Bethm1026 wrote:
I clicked on my Target account today before I went to buy my mom a mothers day card.
Well, Happy Mothers Day to me!!
CLI by $300!!
Went from $200 to $500.....3rd statement just cut on 5/9
 
Yeah!! That should shoot up the scores I hope : )



I'm in the 700 club now! Smiley Happy
1/9/10 scores: TU: 766 | EX: YOU SUCK! | EQ: 736
Regular Contributor
Posts: 119
Registered: ‎02-28-2008
0

Re: Yeah!! Target shows some luv!!

To answer your question, you must have THREE (3) CONSECUTIVE STATEMENTS WITH BALANCES.  Example:
 
Charge $100
Statement Cuts
Pay $50
                    Balance $50
 
Charge $50
Statement Cuts
Pay $75
                   Balance $25
 
Charge $75
Statement Cuts
Pay $50
                   Balance $50
 
YOU SHOULD NOW GET THE CLI.
Established Contributor
Posts: 676
Registered: ‎01-24-2008
0

Re: Yeah!! Target shows some luv!!

ok, that sounds like, it does not count if I pay in full every month.  If that is the case, that is so wack!
*Note to self* Remember why and for how long you had to rebuild in the first place! One Day at a Time, One Day at a Time!
Regular Contributor
Posts: 166
Registered: ‎07-08-2007
0

Re: Yeah!! Target shows some luv!!



Changingmantra wrote:
ok, that sounds like, it does not count if I pay in full every month.  If that is the case, that is so wack!



I PIF for the first 3 months and got a CLI to $500.  I did almost max the card out 1 month.
 
It looks like they just like 3 consecutive months of use.







Regular Contributor
Posts: 196
Registered: ‎07-25-2007
0

Re: Yeah!! Target shows some luv!!

Sounds like a techie techie formula to me (LOL)
I stopped counting the statements so I put that target red in the drawer.
Nevertheless Congrats on your CLI Smiley Happy
Senior Contributor
Posts: 3,279
Registered: ‎08-03-2007
0

Re: Yeah!! Target shows some luv!!

I left small balances and made many purchases with my Target card for 4 or 5 months and was shown no love.

They in turn, were shown my shredder.
Here we go again...
Established Contributor
Posts: 676
Registered: ‎01-24-2008
0

Re: Yeah!! Target shows some luv!!

Yeah, it would have to be a PIF deal for me too.  I have a $200.00 CL and I am not trying to owe Target ANYTHING but $30 to $50 when a statement cuts.  They are 4 miles away from me and there just isnt much for me to buy there since I generally shop at Walmart.   I do love those fruit slushies though and I go see what DVDs are on sale for $5-7.   It is how I made my first purchase with them last weekend, all of $36.00.  I am thinking that they do not want to see that it took me 4 months to use the card, and when I did, I didnt/couldnt pay $36.00.  Who knows how any system assesses this sort of thing.
*Note to self* Remember why and for how long you had to rebuild in the first place! One Day at a Time, One Day at a Time!

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.

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

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