topic Target CLI in Credit Card Approvals

Target CLI

n777ua — Sun, 13 Nov 2011 15:40:32 GMT

Anyone have any tips on getting a Target CLI before I call ? From what I can tell in the FAQ's all accounts are "periodically reviewed". I have a measly $200 CL from when the account was opened 5 years ago, and my highest other CL is $15k . . I was kinda hoping they would've auto-increased it by now.

Re: Target CLI

Anonymous — Sun, 13 Nov 2011 16:03:00 GMT

I would just call them, find out if requesting a CLI is a hard or soft pull, and base your decision on whatever answer they give you.

Do you use the card alot, ever been late, carry a balance on the card for extended periods of time?

If you hardly ever use the card and never come close to the CL they may not see why you would need an increase, of course they may give you a CLI just because you've had the card so long, YMMV.

But be sure to find out weather it's a hard or soft pull, so you can make an informed decision if a hard pull is worth a CLI on that card, if in fact it is a hard, if it's a soft, shoot for the stars and ask for what you want, if they are not willing to give you what you ask for, they most likely will counter offer you.

Best of Luck!!

One other thing, a lot of times when asking for a CLI, weather its a hard or soft, it's always best to have your reports looking their best, low util, not too many CC's reporting a balance etc.....

Re: Target CLI

Red1Blue — Sun, 13 Nov 2011 16:10:27 GMT

There are so many of us here on this forum with $200 Target card for severeal years. It is very unlikely Target gives CLI. Waste of time.

Re: Target CLI

laz98 — Sun, 13 Nov 2011 19:57:13 GMT

they are very unpredictable with their CLI. i was one of those people who had a $200 limit for the longest time. since so many other people were in the same boat, i didn't think it was going to grow at all. but then i got a CLI to $1k, much to my surprise! it later went to $1500 & to its now $2050, which i just got in september.

Re: Target CLI

911gt34life — Sun, 13 Nov 2011 20:40:04 GMT

i don't understand why target don't give CLi ?

Re: Target CLI

n777ua — Sun, 13 Nov 2011 21:02:56 GMT

Thanks for the advice everyone, I used the card quite a bit when first opened, then I sock drawered it for a few years. I decided to start using it again when Target started giving 5% off when the card was used, but its just too much of a pain to pay on it 2-3 times a month just to keep it under my CL. I'll probably just go back to the Amex Plat . . . cheers.

Re: Target CLI

Anonymous — Sun, 13 Nov 2011 21:58:33 GMT

Do people really spend more than $200 on a single purchase at Target?

Re: Target CLI

laz98 — Sun, 13 Nov 2011 22:01:03 GMT

@Anonymous wrote:
Do people really spend more than $200 on a single purchase at Target?

we do. not often, but it does happen. especially around christmas time.

Re: Target CLI

Anonymous — Sun, 13 Nov 2011 22:07:24 GMT

@laz98 wrote:
@Anonymous wrote:
Do people really spend more than $200 on a single purchase at Target?
we do. not often, but it does happen. especially around christmas time.

Oh, I didn't think about that; makes sense. The Target nearest to me is one of those Super Targets, but I still prefer to buy groceries from a grocery store because in my area the grocery stores are still slightly cheaper than Target/Walmart. I really only buy household stuff from Target, but I usually go to Costco for that sort of stuff. I guess if Target is your go-to store for everything it would be pretty easy to spend more than $200 on a single trip making that $200 CL very troublesome.

Re: Target CLI

Creditaddict — Sun, 13 Nov 2011 22:07:35 GMT

Target has been irritating for years now.

They stopped allowing Customer Initiated CLI requests back in like 03' I want to say.

Some of us saw the increase a few years ago right before the holidays from $200-$300 cards pushed up o $1k.

For those who have read about my Target Accounts in the past this will be a bore so I will make it quick.

I opened my target card in 1999, it was the 2nd credit card I applied for in the week I turned 18. Started at $200 and went to $300 sometime in the first year and to this day thats where it sits $300. I went through Ch 7 in 2001 and ch 13 in 2007, I never had a balance on the card at those points so it was not included in either BK and Target never closed it.

So fast forward to 2008, Currently in my repayment of ch 13 I applied and was approved for a $200 CL card and then later in 2008 applied and approved a $300 card and then in 2009 STILL in BK I applied and received another $200 card. I believe in 09 is when they did the increases to random accounts and one would think if I was going to get a CLI it would be on the now 10 year old account but nope it was the 3rd account in 08 that got increased from $300 to $1000.

For the last year I have been doing my primary grocery shopping at Target and would spend $300-500 a week and break up the transaction to 2 or 3 of my target cards... I paid in full for a while then late last year early this year I charged all 4 to the max and paid like $50-$100 each month and then about 3-4 months ago paid them ALL off and now am back to just using the card with the $1000 limit and I charge it and walk over to customer service and pay it.

I have not seen any CLI since the one in 09, I inquired about combining the cards and very similar to GE with Gap, Banana, Old Navy... they will be happy to combine them for you but what that means for them is they will move the blance over to what card you want to keep if enough limit available and then close the card you don't want to keep... and they do not move you CL... so you loose the CL of the other cards and you now have a higher balance on the card you are keeping if they both had balances before... pretty pointless to say the least!

so to sum it up, it's like HSBC and Cap1... I just sit here and read all the threads about it and scratch my head on what "accounts are reviewed monthly" statement all the reps tell you actually means!

Re: Target CLI

n777ua — Sun, 13 Nov 2011 23:34:59 GMT

@Creditaddict wrote:

I opened my target card in 1999, it was the 2nd credit card I applied for in the week I turned 18. Started at $200 and went to $300 sometime in the first year and to this day thats where it sits $300. I went through Ch 7 in 2001 and ch 13 in 2007, I never had a balance on the card at those points so it was not included in either BK and

You filed BK twice w/in 6 years? I thought once you filed BK you couldn't do so again for at least 10 years ? Just curious . . .

Re: Target CLI

Creditaddict — Mon, 14 Nov 2011 00:21:09 GMT

You can only file chapter 7 every 7 years and it stays on record for 10.

you can file chapter 13 every 5 years and it sometimes comes off at 7 or 10 years... think it's 10 now.

The only reason the 13 was filed is because of multiple realestate dealings through an old company I had worked with and they of course went bankrupt so it forced me to file to protect my other assets.

Re: Target CLI

kroberts67 — Tue, 12 Mar 2013 23:17:46 GMT

I haven't had my card very long (since Oct 2012) but i called just to ask how the CLI's work. The rep said that they don't take CLI requests by phone because the accounts are automatically reviewed every 3 months for CLI's. He said that it is more likely to have a CLI when the card is used frequently. I clarified with him - not a balance carried, but a frequently used card. Hmm, I'm sure I need something from Target tonight...

Re: Target CLI

Menecrates — Wed, 13 Mar 2013 00:10:36 GMT

Had one for several years. $500 limit, always paid on time and frequetly PIF. Nothing.. never.. ever.. no CLI...

Would love to find the combination to getting a CLI with them.

Re: Target CLI

Anonymous — Wed, 13 Mar 2013 00:22:51 GMT

@Anonymous wrote:
Do people really spend more than $200 on a single purchase at Target?

Sure, but that is not the point. If you shop reguarly and usually PIF by due date, you need a minimum CL of 2 X monthly spending to not go over your CL.

Re: Target CLI

scarzy — Wed, 13 Mar 2013 00:48:59 GMT

I recently got this card. Might have to find an Executive Office for them! lol

Re: Target CLI

youngandcreditwrthy — Wed, 13 Mar 2013 13:54:30 GMT

I used to regular charge $100-200+ a month out of a $300 cl and pif-never got a cli!!!!
Interest was like 25.24%.
Sorry, but that screws up my utilization. I closed mine within a year due to no clis; I don't even care about that 5% discount. I'll just shop at Whole Foods, Kroger, or if I get desperate: Walmart LOL

Re: Target CLI

sarkell — Wed, 13 Mar 2013 13:59:27 GMT

I just think target isn't worth had them 200 forever I was paying it off weekly then the debit card came out I use that now. All the benefits.

Re: Target CLI

youngandcreditwrthy — Wed, 13 Mar 2013 14:26:12 GMT

I know they sp to get you the Target Debit card... I asked an employee at Target, and she assured me they didn't check your credit...lol they never know what they are talking about. Heh.