topic Re: Target RedCard Tiny CLI in Credit Card Approvals

Target RedCard Tiny CLI

ladybug2016 — Sat, 18 Mar 2023 03:28:50 GMT

Hi all,

I just wanted to share that I've had a Target RedCard since Feb. 2019, with a $300 limit.

I use the card at least a couple of times per month, spend around $150/mo and pay in full.

Statement just closed with a $138 balance because I forgot to pay it.

Received an alert from Chase Credit Journey that one of my limits was increased. I was shocked that it was Target. They only gave me an increase to $500, but it's something. Odd that it might have been triggered by a statement closing with a balance OR was it the 4 long years I've waited?

Happy St. Patrick's Day! ☘️

Re: Target RedCard Tiny CLI

M_Smart007 — Sat, 18 Mar 2023 03:31:04 GMT

Congratulations on your Target CLI 🎉🎉

Re: Target RedCard Tiny CLI

CreditMagic7 — Sat, 18 Mar 2023 03:34:05 GMT

Every little nudge up counts. Looks like they waited for your balance to post then raised it on that premise (maybe?)

Either way Congratulations on finally seeing some movement to the good on it.

Re: Target RedCard Tiny CLI

Brian_Earl_Spilner — Sat, 18 Mar 2023 03:56:03 GMT

The theory around here to trigger an increase is to update your income every month and let a balance report. Typically you'll end up on the target train after the first increase and get a few increases in a row, once every 3 months. So 300>500>800>1200>etc. If you can stay on the train long enough, you might get an upgrade to the credit card.

Re: Target RedCard Tiny CLI

SUPERSQUID — Sat, 18 Mar 2023 06:30:49 GMT

I've had some luck with cli's on my red card since i opened it in oct/2020 300 sl.

I always carry a balance

Almost never pay in full

Update my income once a year when it actually goes up, cli's as follows -

6/ 10/2021 300 - 500 = 200 cli

12/12/2021 500 - 700 = 200 cli

6/14/2022 700 - 1000 = 300 cli

12/10/2022 1000 - 1300 = 300 cli

some dp's

I burned TD bank for 8k in my bk7 dc 12/2019

my balance right now on the card is 359 out of a 1300 cl

my income is sort of low at 39k

my fico's are in the high 600's, good range

I use the card almost every month

I usually make payments once a month of 75 or 100, sometimes more

I know some people dont like to carry a balance to avoid paying interest, I have had some success on a few cards getting cli's by throwing the lender a few bucks in interest, one hand washes the other, ymmv

Re: Target RedCard Tiny CLI

JoeRockhead — Sat, 18 Mar 2023 07:55:54 GMT

Congratulations on your CLI!

Re: Target RedCard Tiny CLI

NoMoreDebt — Sat, 18 Mar 2023 11:48:55 GMT

congrats on the approval

Re: Target RedCard Tiny CLI

Yasselife — Sat, 18 Mar 2023 12:33:18 GMT

Congratulations on your CLI! @ladybug2016

Re: Target RedCard Tiny CLI

jibc1978 — Sat, 18 Mar 2023 13:15:00 GMT

Congrats on the CLI!

Re: Target RedCard Tiny CLI

ladybug2016 — Sat, 18 Mar 2023 21:16:52 GMT

Thanks so much to everyone who replied with data points, kudos and congrats! @SUPERSQUID you've done so well with them in a short amount of time. I've never filed BK or burned them so I'm not sure why they've been so stingy. I remember one Black Friday not even having a high enough credit line to pay for a TV on the card, which is crazy!

I'll try the income tip @Brian_Earl_Spilner mentioned to hopefully get on the train. Thanks again!

Re: Target RedCard Tiny CLI

gingerflower — Sat, 18 Mar 2023 22:19:54 GMT

Congratulations on your Target CLI 👍

Re: Target RedCard Tiny CLI

TMDSCT — Sun, 19 Mar 2023 16:43:13 GMT

Congratulations! TD Bank is not a generous bank when it comes to CLI's which is obvious by the absense of a luv button.

Re: Target RedCard Tiny CLI

SpaceCityCCuser — Sun, 19 Mar 2023 20:16:41 GMT

Congrats on your CLI! I don't have a target very close to me right now so I am not using it as much as I use to. But I use it about once a month.

Re: Target RedCard Tiny CLI

cashorcharge — Sun, 19 Mar 2023 22:26:34 GMT

WooHoo!! Congratulations on your Target Approval!!👏🏼🍾🥂

Re: Target RedCard Tiny CLI

CreditAggie — Mon, 20 Mar 2023 05:53:03 GMT

Congratulations on your Target CLI!

Re: Target RedCard Tiny CLI

nytokyobred79 — Mon, 20 Mar 2023 06:39:18 GMT

Congrats on your Target cli 😊

Re: Target RedCard Tiny CLI

nytokyobred79 — Mon, 20 Mar 2023 06:42:15 GMT

Congrats on your Target cli.

Re: Target RedCard Tiny CLI

coreyb80 — Mon, 20 Mar 2023 17:50:33 GMT

Congrats on the increase!

Re: Target RedCard Tiny CLI

shawnkp73 — Mon, 20 Mar 2023 22:35:35 GMT

Looks like a win to me! Enjoy!

Re: Target RedCard Tiny CLI

ForwardLooking — Tue, 21 Mar 2023 20:48:48 GMT

Congrats on the CLI. Mine has been stuck at $200 since I started with it in 2017.