topic Re: My tiny limit on Target in Credit Cards

My tiny limit on Target

Anonymous — Sun, 11 Dec 2016 23:57:25 GMT

I use my card monthly there and I can't seem to get this thing to even budge. It's been at $300 for almost a year now. Should I get rid of it? I was actually hoping it would turn into their visa/mastercard whatever they offered!! But seeing how I can't even get cli, how will they ever upgrade me lol Suggestions?

Re: My tiny limit on Target

B335is — Mon, 12 Dec 2016 00:12:07 GMT

Target limits tend to grow slowly (as you've experienced). Is your annual income up to date in your profile? Sometimes that's a factor in their review.

Re: My tiny limit on Target

Anonymous — Mon, 12 Dec 2016 00:44:12 GMT

same here although i've only had one statement cut so no complaining here yet but it came with a letter that said it was a temporary limit but when i called they said its the actual limit

Re: My tiny limit on Target

Physh1 — Mon, 12 Dec 2016 00:58:46 GMT

I've had mine for 5 months. Started at $1000 and have been using 5%-20%...small balance reported twice, zero balance reported twice, after 4th statement cut I was bumped to $1600.

What has your use been and have you had any score increases or decreases since you got the card?

Re: My tiny limit on Target

pizza1 — Mon, 12 Dec 2016 01:54:52 GMT

I had a target card in 2000 for a $500 cl, where it stayed for 10 yrs, and used and paid that thing monthly with an occasional pay off down to $0.

then out of the blue the upgraded me to their Visa (at the time), and cl to $2k. I had to pinch myself LOL...

Going slow is not new.....

Re: My tiny limit on Target

Anonymous — Mon, 12 Dec 2016 02:16:47 GMT

@pizza1 wrote:
I had a target card in 2000 for a $500 cl, where it stayed for 10 yrs, and used and paid that thing monthly with an occasional pay off down to $0.

then out of the blue the upgraded me to their Visa (at the time), and cl to $2k. I had to pinch myself LOL...

Going slow is not new.....

Oh wow lol Ten years for an upgrade to a Visa!!!

Re: My tiny limit on Target

AverageJoesCredit — Mon, 12 Dec 2016 02:24:44 GMT

Have you tried leaving a balance? Seems some have done this and have been successful in getting some cli.

Wow, Pizza, 10 years, you would be Yoda to mine Grumpy bear

Re: My tiny limit on Target

Anonymous — Mon, 12 Dec 2016 02:26:03 GMT

@Physh1 wrote:
I've had mine for 5 months. Started at $1000 and have been using 5%-20%...small balance reported twice, zero balance reported twice, after 4th statement cut I was bumped to $1600.

What has your use been and have you had any score increases or decreases since you got the card?

I use about 20-35% each time... I normally pay it once I hit $90-105 which is about one shopping trip! I normally have to pay at least 3 times a month so I don't max it out. I don't ever let hold a balance, I just pay it off every month. I have also updated my income 4 times since I've had this card. I also called in once to see if they could give me a cli but he told me something about 30-60 day to review? I never got an approval or a denial. Non the less, it's my smallest amount and my favorite place to shop at besides amazon!!! I just wish it would grow just a bit... like I would be more than happy to have a 750 cl. 300 is just too small!!!

Re: My tiny limit on Target

disdreamin — Mon, 12 Dec 2016 02:27:14 GMT

I think I've had my Target card for about 6 years now, and my credit line has never changed. My income had approximately doubled, but the CL had not budged at all. I've got my profile updated, but it seems like some accounts aren't destined to increase over time. FWIW, I regularly run my card up to 10+% util and this time around was at almost 30% due to holiday shopping. Still no dice on a CLI for me. Hope you are more fortunate, OP!

Re: My tiny limit on Target

pizza1 — Mon, 12 Dec 2016 02:37:18 GMT

@Anonymous wrote:
@pizza1 wrote:
I had a target card in 2000 for a $500 cl, where it stayed for 10 yrs, and used and paid that thing monthly with an occasional pay off down to $0.

then out of the blue the upgraded me to their Visa (at the time), and cl to $2k. I had to pinch myself LOL...

Going slow is not new.....
Oh wow lol Ten years for an upgrade to a Visa!!!

yea...that was back in 2010 when I got the upgrade (before they switched to MC), and then they were IIB in BK7 in 2013 but...i just recently got the card back, and hoping for a upgrade within 2 yrs...thats MY plan , LOL

Re: My tiny limit on Target

eagle2013 — Mon, 12 Dec 2016 04:57:58 GMT

@Anonymous wrote:
I use my card monthly there and I can't seem to get this thing to even budge. It's been at $300 for almost a year now. Should I get rid of it? I was actually hoping it would turn into their visa/mastercard whatever they offered!! But seeing how I can't even get cli, how will they ever upgrade me lol Suggestions?

Mine was also $300 for two years. I closed and got the debit card instead.

Re: My tiny limit on Target

Anonymous — Mon, 12 Dec 2016 18:05:26 GMT

Use the income trick. Add 500 bux yearly income and a month later take it off. I had my target stuck 1k SL for 5 years.