topic Re: Target auto cli after update in Credit Card Approvals

Target auto cli after update

indiasnowden — Fri, 09 Oct 2015 08:43:33 GMT

Received auto cli from $400 to $600 after September cut. I also updated my info including income in September. I added back the autopay feature as well. I stopped shopping there after no cli for 6 months. I go in and purchase a Starbucks Latte on my Target and leave. Like a mouse in a maze searching for cheese I was trying to wake up the Target CLI computer....my utility finally got down to 80% and I think that may have something to do with the CLI love. My Target is low utility but my other cards are high. 21 point jump in my best score after taking my highest card down to 90% utility. Overall is 80%. Slowly chipping away. After I reach my goal of 10% I am done. Finally learned my lesson. Thanks to everyone on this forum for helpful free advice. I learn something new everytime I read the new posts. Sorry so long a post; have insomnia.

Re: Target auto cli after update

Anonymous — Fri, 09 Oct 2015 10:05:02 GMT

Congrats!

Re: Target auto cli after update

nyancat — Fri, 09 Oct 2015 11:58:43 GMT

Two things - one, utility: the state of being useful, profitable, or beneficial. Utilization is the word you're looking for, they're VERY different things. Whether a card has utility or not depends not on how much you're using it in dollars, but rather on how useful it is to you. A card you use for a huge sign-up bonus has very high utility but is likely to have very low utilization, other than that needed to get the bonus.

Second - you quit shopping at Target because their banking partner didn't give you a CLI? Wow... just wow...

Re: Target auto cli after update

TiggerDat — Fri, 09 Oct 2015 14:22:51 GMT

Congrats.

Re: Target auto cli after update

Jerry45 — Fri, 09 Oct 2015 14:41:33 GMT

Congrats

Re: Target auto cli after update

alextercero — Fri, 09 Oct 2015 16:42:52 GMT

Congrats

Re: Target auto cli after update

Anonymous — Fri, 09 Oct 2015 16:50:46 GMT

Get everything under 50% and no one will dislik you. Target dislikes the best cardholders. If it was synchrony I'd be mad, but couldn't boycott, they have accounts with everyone!

You do bring up something interesting. Im going to set up autopay and increase income 100 bucks. I've had same 1k limit since December 2010.