topic Re: FYI Target CLI in Credit Card Approvals

FYI Target CLI

Anonymous — Tue, 09 Nov 2010 02:25:39 GMT

Just spoke to a CSR @ Target and she informed me that they are reviewing all accounts for CLI.

Re: FYI Target CLI

Anonymous — Tue, 09 Nov 2010 02:29:09 GMT

Yes! Thank you! I've been sitting at a whopping $500 for 2 years. I just called the other day and they said they weren't doing them, so this is good news. Hopefully they'll raise mine.

Re: FYI Target CLI

Anonymous — Tue, 09 Nov 2010 02:34:48 GMT

I just got a $700 increase about a week ago, it really suprised me.

Re: FYI Target CLI

Anonymous — Tue, 09 Nov 2010 02:42:08 GMT

I got a 500.00 dollar increase back in August ,I'm at 1,000.

Re: FYI Target CLI

Anonymous — Tue, 09 Nov 2010 02:52:30 GMT

Well, I feel ripped off now. I just thought they weren't doing them across the board, but if both of you just got them, maybe I was singled out. The last increase I had (from $200 to $500) happened as they cut my statement 2 years ago and I'd only had the card for 3 months then. I guess if they haven't done it by my statement date (the end of the month), I'll call and request one.

Re: FYI Target CLI

Anonymous — Tue, 09 Nov 2010 03:07:19 GMT

Vegas Wife - Don't feel bad, I was at $500 for 5 years and just finally got an increase to $1,000 last month.

Re: FYI Target CLI

Anonymous — Tue, 09 Nov 2010 03:11:38 GMT

They are not accepting any CLI request from customers, (They never have) CSR they are reviewing all accounts for CLI.

Re: FYI Target CLI

Anonymous — Tue, 09 Nov 2010 03:13:19 GMT

Sorry you sat at $500 for 5 years, but congrats on the increase!

Oh, if they're not accepting requests, then I'll just sit tight. *taps fingers impatiently*

Re: FYI Target CLI

Anonymous — Tue, 09 Nov 2010 03:16:00 GMT

I had pretty much given up and just kept it for the age and was thinking about closing it when they finally came through with the increase. They never accept Customer initiated CLI's. Just have to be patient with them, eventually they will come around.

Re: FYI Target CLI

Anonymous — Tue, 09 Nov 2010 03:17:45 GMT

Just wondering how they base their credit line increase. I opened my acct in 4/08 with 200.00 then in July 2008 I received my first increase of 300 then in 8/2010 I received a 500.00 dollar increase. I use my card all the time and PIF before the statement cuts. Just don't understand the low limits.

Re: FYI Target CLI

Anonymous — Tue, 09 Nov 2010 03:22:46 GMT

It's a big dark secret that only Target is Privey to. Ha! If your at $1,000 after 2 years your doing good.

Re: FYI Target CLI

Anonymous — Tue, 09 Nov 2010 16:58:13 GMT

It's strange...I called today and CSR told me that they are not reviewing accounts for CLI's at this time...

Re: FYI Target CLI

Creditaddict — Tue, 09 Nov 2010 19:27:04 GMT

@Anonymous wrote:
It's strange...I called today and CSR told me that they are not reviewing accounts for CLI's at this time...

I really dont' think people actually do the reviewing... I think they type in some formula and the computer goes to work for a week and then it's back to the dark corner for us all to sit with no love... I really kind of hate them as a bank, but I shop there so often that I just keep using the cards despite the CL.

But it is fun to say I would like to devide this purchase up among my 4 target cards!!! always gets an eyebrow raise from the checkout person

Re: FYI Target CLI

laryn41 — Tue, 09 Nov 2010 19:47:02 GMT

I've been at $200 since 2005! I have now reached a credit score of 745. I have no clue what's up. But I keep usin my card and paying it off! BOOOOO target.

Re: FYI Target CLI

Anonymous — Tue, 09 Nov 2010 22:52:50 GMT

@Creditaddict wrote:
I really dont' think people actually do the reviewing... I think they type in some formula and the computer goes to work for a week and then it's back to the dark corner for us all to sit with no love... I really kind of hate them as a bank, but I shop there so often that I just keep using the cards despite the CL.
But it is fun to say I would like to devide this purchase up among my 4 target cards!!! always gets an eyebrow raise from the checkout person

Just out of curiosity, how did you end up with 4 Target cards? I didn't know that was possible!

Re: FYI Target CLI

Creditaddict — Thu, 11 Nov 2010 02:45:50 GMT

@Anonymous wrote:
@Creditaddict wrote:
I really dont' think people actually do the reviewing... I think they type in some formula and the computer goes to work for a week and then it's back to the dark corner for us all to sit with no love... I really kind of hate them as a bank, but I shop there so often that I just keep using the cards despite the CL.
But it is fun to say I would like to devide this purchase up among my 4 target cards!!! always gets an eyebrow raise from the checkout person
Just out of curiosity, how did you end up with 4 Target cards? I didn't know that was possible!

well when the first one never got increases, I applied and got another while my credit was pretty good... still got $200.

Then a few months later was spending about $200 and I was like I want the visa and I want 10% off this purchase so I applied and got another $200.

Then the following year, being last year I was like no way they will give me another and boom... approved $200!

I tried to consolidate... they were happy to close out 3 and let me keep 1... umm duh no! consolidate all my credit lines into one! that was not an option.

Re: FYI Target CLI

Anonymous — Thu, 11 Nov 2010 03:05:31 GMT

@Creditaddict wrote:

well when the first one never got increases, I applied and got another while my credit was pretty good... still got $200.
Then a few months later was spending about $200 and I was like I want the visa and I want 10% off this purchase so I applied and got another $200.
Then the following year, being last year I was like no way they will give me another and boom... approved $200!
I tried to consolidate... they were happy to close out 3 and let me keep 1... umm duh no! consolidate all my credit lines into one! that was not an option.

That's hilarious! I had no idea that it was possible to do such a thing. I just assumed they would flag your SS# after one and that would be it. Very interesting, though. Thanks for sharing!

Re: FYI Target CLI

JasonBourneOfCredit — Thu, 11 Nov 2010 03:24:04 GMT

Are we talking Target store card or their visa?

Re: FYI Target CLI

Creditaddict — Thu, 11 Nov 2010 03:24:47 GMT

@JasonBourneOfCredit wrote:
Are we talking Target store card or their visa?

Store cards, they never approved me for a visa

Re: FYI Target CLI

Anonymous — Thu, 11 Nov 2010 03:53:16 GMT

My fiance just checked his Target store card and they bumped his CL from $300 to $1000! Woot! It's his birthday today, so maybe it was Target's way of saying "Happy Birthday"