topic Re: Nice CLI from Target in Credit Card Approvals

Nice CLI from Target

CS800 — Thu, 29 Nov 2012 16:29:43 GMT

About 5 months ago, I got a Target store card with a $500 CL. I tried to do a recon back then for a higher CL but got denied.

Just logged on today and saw my CL is now $700. I use the card maybe once a month for a starbucks.

Happy Holidays to me. This one comes after AMEX bumped my CL from $12K to $20K !!

Re: Nice CLI from Target

Anonymous — Thu, 29 Nov 2012 16:24:08 GMT

Just curious if you dont mind , did you ask for the increase with amex?

I started out with 15000 and its been like 4 months and didnt know if I should ask for 20-25k

Also , was it automated or telephone

thanks

Re: Nice CLI from Target

ObeyJohnny12 — Thu, 29 Nov 2012 16:27:42 GMT

Congrats on the increases, especially from Amex.

I'm surprised Target is giving out cli now, since i read that they never did before.

I guess Target is changing their rules.

Big congrats though.

Re: Nice CLI from Target

CS800 — Thu, 29 Nov 2012 16:31:03 GMT

@Anonymous wrote:
Just curious if you dont mind , did you ask for the increase with amex?

I started out with 15000 and its been like 4 months and didnt know if I should ask for 20-25k

Also , was it automated or telephone

thanks

I did over a month ago but but flat out denied. I asked for $25K back then (12 months mark). Then about a week back, I logged on and saw my new limit was $20K. This one was an auto CLI. I didn't get any alert for a HP but didn't see any SP either.

The target one was auto

Re: Nice CLI from Target

SpiceIslander — Thu, 29 Nov 2012 17:05:30 GMT

Congrats! Super-nice bump from Amex!

Re: Nice CLI from Target

moonman — Thu, 29 Nov 2012 17:51:22 GMT

I've been with Target a little over five years and noticed that every year they do a soft in October and credit limits are given are not. Today I logged in and noticed that they lowered my credit from 1K to 200. I called to close it but was told it was for non usage(last usage 10/2011), so things are changing over there because there were times I did not use the card well over a year with no adverse action.

Re: Nice CLI from Target

CS800 — Thu, 29 Nov 2012 18:10:32 GMT

@moonman wrote:
I've been with Target a little over five years and noticed that every year they do a soft in October and credit limits are given are not. Today I logged in and noticed that they lowered my credit from 1K to 200. I called to close it but was told it was for non usage(last usage 10/2011), so things are changing over there because there were times I did not use the card well over a year with no adverse action.

The most I have charged on it is about $50 but generally I charge about $10 a month on it.

Re: Nice CLI from Target

Anonymous — Thu, 29 Nov 2012 18:32:15 GMT

"I use the card maybe once a month for a starbucks."

Now you can use it for a starbucks and a cookie, too.

;o)

Re: Nice CLI from Target

CS800 — Thu, 29 Nov 2012 18:37:05 GMT

@Anonymous wrote:
"I use the card maybe once a month for a starbucks."

Now you can use it for a starbucks and a cookie, too.

;o)

LOL, yes I can order a cookie without maxing it out

Re: Nice CLI from Target

Epcot — Thu, 29 Nov 2012 18:44:32 GMT

Congrats on the increase, very surprising!

Re: Nice CLI from Target

flowfaster — Thu, 29 Nov 2012 18:47:43 GMT

I just checked my account and....... Nothing yay! Lol my Target card still has a 200 limit. It just looks funny next to my 10k cards.

Re: Nice CLI from Target

CS800 — Thu, 29 Nov 2012 18:53:13 GMT

@flowfaster wrote:
I just checked my account and....... Nothing yay! Lol my Target card still has a 200 limit. It just looks funny next to my 10k cards.

I hear ya. I was thinking about the same thing looking at my $500 CL versus my $20K plus cards. I'm optimistis that this card will grow.

Re: Nice CLI from Target

Anonymous — Thu, 29 Nov 2012 19:06:11 GMT

@flowfaster wrote:
I just checked my account and....... Nothing yay! Lol my Target card still has a 200 limit. It just looks funny next to my 10k cards.

People ask me why I shop at Walmart even though I used to work for Target. I point them to my $12k Walmart card vs my $300 Target card.