topic Re: Target Red Card CLI???? in Credit Card Applications

Target Red Card CLI????

Anonymous — Thu, 23 Mar 2017 18:52:11 GMT

Does anyone know How I should go about getting a CLI for my Target Red Card.? There doesnt appear to be a luv button anywhere.

Re: Target Red Card CLI????

Anonymous — Thu, 23 Mar 2017 19:53:30 GMT

@Anonymous wrote:
Does anyone know How I should go about getting a CLI for my Target Red Card.? There doesnt appear to be a luv button anywhere.

Mine were automatic. Went $300 ---> $800 ----> $1300. It was when my limit was $800 that I made some big purchases and had a $650 balance that reported once. I paid that off and got the CLI to $1300 a statement or two later.

Not sure if my pattern of usage plays into it or not. This card is a tricky beast. I got lucky, but some folks are perpetually stuck with low limits. I think they basically give you more when they feel like it. LOL.

Re: Target Red Card CLI????

Anonymous — Thu, 23 Mar 2017 20:57:08 GMT

Thank you!! I really hope they give me an increase soon. I saw on some other threads that sometimes you can move the process along by changing your financial information as far as how much you make per year. Not sure but somethings gotta give. lol

Re: Target Red Card CLI????

dreamy10250 — Thu, 23 Mar 2017 21:09:03 GMT

I just got increase. I opened my account in 11/2016 with $300 use fairly regularly for small purchases did a big purchase then paid it. Just checked they increased to $700. There is hope

Re: Target Red Card CLI????

SunriseEarth — Thu, 23 Mar 2017 22:34:29 GMT

@Anonymous wrote:
Does anyone know How I should go about getting a CLI for my Target Red Card.? There doesnt appear to be a luv button anywhere.

Unfortunately, Target does not issue CLIs by request. However, updating your Income information (even if you key in the same amount you had) on the website and letting a balance post (i.e., don't pay your current balance to zero before statement close) seems to increase your odds. I could use a little Target LUV myself, so hopefully, this will work for me, too.

Re: Target Red Card CLI????

Anonymous — Thu, 23 Mar 2017 22:38:32 GMT

I did just that a second ago. Hopfeully Target shows us some love this time around. Thank You!!!

Re: Target Red Card CLI????

Anonymous — Fri, 24 Mar 2017 03:13:36 GMT

Target likes to see lots of use and a balance report. Also updating income helps. I have had my card since September of 2016 and have gotten two auto cli so far I have gone from $500 > 1,000 > 1,700. I say leave big balance when your statement cuts.

Re: Target Red Card CLI????

Anonymous — Sat, 03 Jun 2017 20:48:09 GMT

ive had a target redcard 5.5 years ($700) . had FICO @ 750 at that time. i'm over 800 now never been late, always used it they refuse to give me a CLI (they are acyually obnoxious about it when you ask)

Re: Target Red Card CLI????

Total80sKid — Sat, 03 Jun 2017 23:06:21 GMT

Don't give up hope.

Was finally given 4 automatic CLI after having the card for 5+ years.

I always carried a balance, almost maxed. I didn't use the card for 2 months and that's when the first CLI happened.

Re: Target Red Card CLI????

Anonymous — Tue, 06 Jun 2017 23:39:48 GMT

Whens the last time you updated your income info? Try updating it. Add a couple dollars. That should get a reaction out of them.

Re: Target Red Card CLI????

Anonymous — Wed, 07 Jun 2017 00:57:09 GMT

I use my card about 1-3 times a month and report around $50 when statement cuts and PIF. I ALWAYS make sure to update my income every month though. I get a CLI about every 3-4 months. Just got a $1,000 CLI from them yesterday.

Limits have been $300 -> $750 -> $1,500 -> $2,500

Re: Target Red Card CLI????

Anonymous — Wed, 07 Jun 2017 01:13:51 GMT

Not sure on balance reporting, I recieved two increases and never reported a balance always PIF. I just reported a balance two months back for the first time.

Some chat in this thread. http://ficoforums.myfico.com/t5/Credit-Cards/Target-Credit-limit-increase/td-p/4947169

Re: Target Red Card CLI????

Anonymous — Mon, 16 Apr 2018 23:07:26 GMT

Starting limit 500. Auto CLI to 800 after four months. Small balance of less than 10 dollars per month PIF each month. Crappy scores (640's)

Re: Target Red Card CLI????

Anonymous — Tue, 17 Apr 2018 04:13:21 GMT

Opened my card little under 2 years ago having a balance of 20% on it during the 1st year. used it couple times a month. below is my CLI history for my card.

SL $500

4 month $800

7 month $1200

11 month $1700

12 month $3000

19 month $4000

they seem to like a balance on it (they did on mine) my scores were in the 650-670's

Re: Target Red Card CLI????

Gonzozap — Sat, 23 Jun 2018 14:30:47 GMT

I've had my card since August 2017. Ten months later, limit has gone from $500 to $2400. Two increases. Both increases came after I purchased a television. Yes, 2 TVs. And the next statement reported the balance. Both increases came on that very next statement immediately after I made the purchases.

Of course, I don't think the TV is the trick, but maybe a major purchase helps. My purchases were between $300 and $400. You can see if it works by buying something smaller, like a laptop, and then returning it.

So, I agree with some other comments. Target leans toward favoring usage and balances when it comes to CLI.

Re: Target Red Card CLI????

Anonymous — Thu, 28 Jun 2018 20:19:36 GMT

I can add another verse to the same song here. Got my RedCard 4 years ago with a $300 SL. I’ve never asked for CLIs but I’ve gotten several, raising me to $700, $1000, $1300, $1700, and just this past week to $2100. I’ve noticed also with the updating of the personal income area, a CLI seems to follow. This past month I paid it nearly off, and was given a $400 bump to my limit. I usually carry a balance on the card and am never late in paying.

Re: Target Red Card CLI????

Anonymous — Thu, 28 Jun 2018 22:06:39 GMT

I’m at 4000.00 took only two years! Haha
The more I use and update my financial Info the more I get increases!

Re: Target Red Card CLI????

Anonymous — Fri, 29 Jun 2018 00:08:31 GMT

I got auto luv on my redcard after roughly the third statement. Started at 500 and had it increased to 1k.

I've had it since December and haven't received any additional increase. I don't put more than $100-$200 through it per month, though.

Re: Target Red Card CLI????

Anonymous — Sun, 30 Sep 2018 02:52:24 GMT

Target likes auto-pay. I started with a 300 limit and it stayed. When I set the card on auto pay, increases started every few months. Now at $4k and upgraded to MC. I have not seen a way to request CLI.

Re: Target Red Card CLI????

GetMeSlick — Mon, 01 Oct 2018 13:07:04 GMT

I think they assess your CL based on income that you update regularly. Mine moved from 300->500->1000->1300.

its been several years, it stands at 1300.

I might start using the target regularly as its close to my new home. Will see, if the high usage makes them increase my cl.