topic Re: Target CLI question in Credit Card Applications

Target CLI question

britt585 — Wed, 28 Apr 2021 13:11:16 GMT

Good morning,

I've had my Target card sincee Nov 2019 300 CL. I havent received CLI. This is my smallest limit. I love target..lol...I use the card heavily and I leave a balance only because thats what ive to do in order to get CLI. I was paying in full at first. Anywho I know yoou cant request a CLI like a normal credit card..lol... I was wondering can I write to anyone asking to review my account?... I really dont want to close my account it hasnt grown in almost 2 years....

Re: Target CLI question

Brian_Earl_Spilner — Wed, 28 Apr 2021 13:14:07 GMT

There's nothing you can do to speed it up. It took over 4 years before I got my first, then it was an increase every 3 months before it stopped. Hopefully it'll start again soon. I'm only 1 or 2 away from a conversion.

Re: Target CLI question

M_Smart007 — Wed, 28 Apr 2021 13:24:11 GMT

@britt585 wrote:
Good morning,

I've had my Target card sincee Nov 2019 300 CL. I havent received CLI. This is my smallest limit. I love target..lol...I use the card heavily and I leave a balance only because thats what ive to do in order to get CLI. I was paying in full at first. Anywho I know yoou cant request a CLI like a normal credit card..lol... I was wondering can I write to anyone asking to review my account?... I really dont want to close my account it hasnt grown in almost 2 years....

I closed mine for (2) reasons

1) don't use it

2) would not grow

Actually closed it the day they CLD'd it (50%) for non use. ( 6 months in the SD - one $7 purchase in a whole year)

Re: Target CLI question

rostrow416 — Wed, 28 Apr 2021 13:44:05 GMT

Some have reported success by updating their income monthly (even if it doesn't change, just reenter the info).

But other than using it normally, there is nothing to do. If it clicks for them, they will increase your limit. I've received 2 increases in the 4 years I've had mine, but it's been 2.5 years since my last one.

Re: Target CLI question

britt585 — Wed, 28 Apr 2021 14:28:31 GMT

omg... i have kids so target is 1 our favoite places to shop...ugh

Re: Target CLI question

Brian_Earl_Spilner — Wed, 28 Apr 2021 14:37:10 GMT

Probably make it hard to grow because they know every time you go in there you're not leaving without spending $100+, even if all you went in for was a sponge. People would max out their cards in a few weeks.

Re: Target CLI question

britt585 — Wed, 28 Apr 2021 14:40:26 GMT

omg 2 and 4 years .... My limit isnt nearly enough for my family to shop. I've paid in full, not paid in full, updated income, let a balance report...ugh...It hurts my soul to close the account...lol...I'll give them 6 more months..wish me luck.. thanks

Re: Target CLI question

britt585 — Wed, 28 Apr 2021 14:42:24 GMT

o my so i'm spending to much.....lol....omg this is crazy!!!!

Re: Target CLI question

M_Smart007 — Wed, 28 Apr 2021 15:03:07 GMT

@britt585 wrote:
omg 2 and 4 years .... My limit isnt nearly enough for my family to shop. I've paid in full, not paid in full, updated income, let a balance report...ugh...It hurts my soul to close the account...lol...I'll give them 6 more months..wish me luck.. thanks

@britt585, I wish you luck

Re: Target CLI question

designated_knitter — Wed, 28 Apr 2021 19:16:41 GMT

I also opened my card in November, 2019... eagerly awaited November, 2020 when they were handing out Christmas CLIs but nothing but a lump of coal for me.

I think I have a better chance of winning powerball than getting a Target CLI -- and I don't even buy lottery tickets!

Re: Target CLI question

Anonymous — Wed, 28 Apr 2021 21:33:50 GMT

I've had mine since Oct. 2019 and have had 2 credit limit increases. Started out at $500, went to $800 and then to $1100 and I rarely use the card. I've used it maybe 5 times since Oct. 2019 but each credit limit increase came after I made a purchase but even those purchases where not big. Both where less than $100 dollars.

Re: Target CLI question

M_Smart007 — Wed, 28 Apr 2021 22:17:52 GMT

@Anonymous wrote:
I've had mine since Oct. 2019 and have had 2 credit limit increases. Started out at $500, went to $800 and then to $1100 and I rarely use the card. I've used it maybe 5 times since Oct. 2019 but each credit limit increase came after I made a purchase but even those purchases where not big. Both where less than $100 dollars.

@Anonymous,

Make sure you use your card within a six month time frame, they CLD'd mine the day the 7th Non-use statement cut.

Re: Target CLI question

PullingMeSoftly — Wed, 28 Apr 2021 22:17:58 GMT

Yep, this is one of those cards that will grow when TD Bank feels so inclined to give an increase. I'm still at my SL of $2500, account opened February 2020.

Re: Target CLI question

Total80sKid — Thu, 29 Apr 2021 05:38:16 GMT

It took me 5 years before I got an increase

Started out at $500 in 2011 and I kept that thing like 95% maxed out and then in early 2016 I was trying to finally pay it down. Went two months without using it and then they gave me my first CLI to like $800. Then the CLI train kept coming every other month to 3 months until 2017 and it reached around $4500 or so.

I wish you luck on getting an increase soon!

Re: Target CLI question

snapcat — Thu, 29 Apr 2021 21:56:29 GMT

I can sympathize. I opened mine in Nov '19 and got the $300 CL. Prior to that, I read post after post of how it will grow. I've used it every month, but nothing. On the other hand, TD Bank keeps increasing my CL for my Nordstrom card - up to $16K. Go figure. I'm prolly going to sock drawer it for a while. But I won't keep it there for more than 6 months. It definitely doesn't grow like a weed anymore.

Re: Target CLI question

Anonymous — Fri, 30 Apr 2021 10:55:21 GMT

I'm considering closing mine as well October 2019 300->800 March 2020 nothing since and I've near maxed it out and pif multiple times (at least 4) after the increase, it makes my profile look bad got all these 5k cards and then an 800 dollar target card lol

Re: Target CLI question

coreyb80 — Fri, 30 Apr 2021 14:40:19 GMT

@PullingMeSoftly wrote:
Yep, this is one of those cards that will grow when TD Bank feels so inclined to give an increase. I'm still at my SL of $2500, account opened February 2020.

This about sums it up nicely for this card. It's been a year since I've seen an increase on my card, but they did CLD me by $200 from $2200 to $2000. About to pay it off in the next 3 months and see how to respond. One of my personal favorite cards to use and hoping they convert me to the MC before the year is out.