topic Re: Target REDcard CLI after Mastercard upgrade? in Credit Cards

Target REDcard CLI after Mastercard upgrade?

minimist — Sat, 19 May 2018 14:51:47 GMT

Just curious to see if anyone who got upgraded to the Mastercard version last year (or whenever, it was around August for me) has gotten an auto CLI since then?

Re: Target REDcard CLI after Mastercard upgrade?

Anonymous — Sun, 20 May 2018 17:15:04 GMT

I was at $800 limit when I was upgraded to the MasterCard. I’m currently sitting at $4000 limit. I never ask for an increase. I do update my monthly income every other month even if it hasn’t changed. That triggers them to review my account for an increase if it’s there.

Re: Target REDcard CLI after Mastercard upgrade?

minimist — Sat, 19 May 2018 15:13:40 GMT

Thanks for the reply! Its good to know they are still doing them. I had been getting a $300 increase every 3 months or so until I got to 2500 and switched to the MC version. I also stopped using it as much though and don't do the income updating trick.

Re: Target REDcard CLI after Mastercard upgrade?

Adkins — Sat, 19 May 2018 15:19:18 GMT

@minimist wrote:
Thanks for the reply! Its good to know they are still doing them. I had been getting a $300 increase every 3 months or so until I got to 2500 and switched to the MC version. I also stopped using it as much though and don't do the income updating trick.

Use the card. Let a balance post every time (amount doesn't matter). PIF every time. Update your income monthly, even if it hasn't changed. Repeat.

Re: Target REDcard CLI after Mastercard upgrade?

Brian_Earl_Spilner — Sat, 19 May 2018 15:37:33 GMT

For those doing the income trick, how much are you updating every time? Have they ever asked for POI?

Re: Target REDcard CLI after Mastercard upgrade?

Adkins — Sat, 19 May 2018 15:42:01 GMT

@Brian_Earl_Spilner wrote:
For those doing the income trick, how much are you updating every time? Have they ever asked for POI?

I put in the same amount every time, when I pay the bill, unless I've gotten a raise. I've never come across them asking for POI here in the forums. (Doesn't mean it hasn't happened.)

Re: Target REDcard CLI after Mastercard upgrade?

Brian_Earl_Spilner — Sat, 19 May 2018 15:45:20 GMT

@Adkins wrote:
@Brian_Earl_Spilner wrote:
For those doing the income trick, how much are you updating every time? Have they ever asked for POI?
I put in the same amount every time, when I pay the bill, unless I've gotten a raise. I've never come across them asking for POI here in the forums. (Doesn't mean it hasn't happened.)

Oh, ok. I thought the income had to increase every time you updated. So, based on what you're saying, it just needs to be resubmitted every time.

Re: Target REDcard CLI after Mastercard upgrade?

Adkins — Sat, 19 May 2018 16:23:35 GMT

@Brian_Earl_Spilner wrote:
@Adkins wrote:
@Brian_Earl_Spilner wrote:
For those doing the income trick, how much are you updating every time? Have they ever asked for POI?
I put in the same amount every time, when I pay the bill, unless I've gotten a raise. I've never come across them asking for POI here in the forums. (Doesn't mean it hasn't happened.)
Oh, ok. I thought the income had to increase every time you updated. So, based on what you're saying, it just needs to be resubmitted every time.

Yes.

Re: Target REDcard CLI after Mastercard upgrade?

ccpat — Sat, 19 May 2018 17:17:29 GMT

I also was upgraded to the MC last Aug/Sept timeframe and I haven't received an increase since. My husband still has the store card and gets increases every 3 months!

Re: Target REDcard CLI after Mastercard upgrade?

SOGGIE — Sun, 20 May 2018 03:02:40 GMT

I'm curious if they have been upgrading any store cards to MC lately. I don't see any recent threads indicating such.

Re: Target REDcard CLI after Mastercard upgrade?

Datx — Sun, 20 May 2018 04:33:33 GMT

@SOGGIE wrote:
I'm curious if they have been upgrading any store cards to MC lately. I don't see any recent threads indicating such.

After searching online, it seems like they do upgrades around the June/July/August months of the year. OP also indicated the ugprade was done last August. So maybe, (and hopefully) they start to review accounts and upgrade in the next few months. I am ready for an upgrade to MC.

Re: Target REDcard CLI after Mastercard upgrade?

K-in-Boston — Sun, 20 May 2018 05:30:53 GMT

@Adkins wrote:
Use the card. Let a balance post every time (amount doesn't matter). PIF every time. Update your income monthly, even if it hasn't changed. Repeat.
<And in a later post...>
I put in the same amount every time, when I pay the bill, unless I've gotten a raise. I've never come across them asking for POI here in the forums. (Doesn't mean it hasn't happened.)

Absolutely 100% correct. Opened my Target store card in 2002 with a $1200 credit line. It changed lenders around 2005 and in addition to becoming a Visa card, they gave me a $400 CLD down to $800. Eleven years later, another lender or two later, and a change from Visa to MasterCard later, in June of 2016, after I began using it at Target once or twice a month, letting the balance post to the statement, paying in full each month, and updating my income every month they gave me a $500 CLI brining me up to $1300. In December 2016, June 2017, and December 2017, they gave me $1000 each time. My limit is currently at $4300, and I am fully expecting another CLI in about 2 weeks.

Re: Target REDcard CLI after Mastercard upgrade?

Brian_Earl_Spilner — Sun, 20 May 2018 05:57:51 GMT

@K-in-Boston wrote:
@Adkins wrote:
Use the card. Let a balance post every time (amount doesn't matter). PIF every time. Update your income monthly, even if it hasn't changed. Repeat.
<And in a later post...>
I put in the same amount every time, when I pay the bill, unless I've gotten a raise. I've never come across them asking for POI here in the forums. (Doesn't mean it hasn't happened.)
Absolutely 100% correct. Opened my Target store card in 2002 with a $1200 credit line. It changed lenders around 2005 and in addition to becoming a Visa card, they gave me a $400 CLD down to $800. Eleven years later, another lender or two later, and a change from Visa to MasterCard later, in June of 2016, after I began using it at Target once or twice a month, letting the balance post to the statement, paying in full each month, and updating my income every month they gave me a $500 CLI brining me up to $1300. In December 2016, June 2017, and December 2017, they gave me $1000 each time. My limit is currently at $4300, and I am fully expecting another CLI in about 2 weeks.

Thanks for the insight. This card has been stuck for me for a while.

Re: Target REDcard CLI after Mastercard upgrade?

Anonymous — Sun, 20 May 2018 18:39:34 GMT

Interesting data point here...

My card was stuck at $500 for years. I tried carrying a balance, updating my income, adding an authorized user, etc. but nothing ever worked. I had pretty much given up on a CLI from them. I randomly set up autopay on my account and about a week later at the next statment I had an auto CLI bringing me to $1000. I was actually not carrying a balance that month. It may have been a coincidence, but I'd be interested to know if anyone else gets an increase after setting up autopay.