topic Re: target cc credit limit question in Credit Cards

target cc credit limit question

Anonymous — Wed, 20 Oct 2021 08:19:23 GMT

so it takes target forever to clear the pending transactions and it eats into the credit available. even though i don't have the credit available, can i order something since i found out that it takes target a bit to even send the items and charge the card? I was thinking that by the time target charges my card for the item, the pending charges would have fallen off, but im unsure of this. any target experts? thanks

Re: target cc credit limit question

rostrow416 — Wed, 20 Oct 2021 10:29:16 GMT

I haven't noticed any longer delays than normal clearing pending transactions and for me they usually go to approve the card at time of order.

Re: target cc credit limit question

Anonymous — Wed, 20 Oct 2021 10:42:21 GMT

@rostrow416 wrote:
I haven't noticed any longer delays than normal clearing pending transactions and for me they usually go to approve the card at time of order.

thank you. do you know if i'm able to prepay the credit card and they'll free up credit line that way?

Re: target cc credit limit question

Loquat — Wed, 20 Oct 2021 10:45:49 GMT

Most merchants will place an authorization hold at the time the order is placed which will cause your card to decline if the credit isn’t available.

As for prepaying a card, I’m not sure if this is possible with the Target card and the only lender I know that does allow for such is Amex. I’m sure there may be others but that is the only one I’m familiar with.

And with Amex I will add that the prepayment would have to be pushed from your bank account as their system won’t allow for such.

Re: target cc credit limit question

Anonymous — Wed, 20 Oct 2021 10:50:35 GMT

@Loquat wrote:
Most merchants will place an authorization hold at the time the order is placed which will cause your card to decline if the credit isn’t available.

As for prepaying a card, I’m not sure if this is possible with the Target card and the only lender I know that does allow for such is Amex. I’m sure there may be others but that is the only one I’m familiar with.

And with Amex I will add that the prepayment would have to be pushed from your bank account as their system won’t allow for such.

thank you very much!!!!!

Re: target cc credit limit question

GApeachy — Wed, 20 Oct 2021 10:56:45 GMT

@Anonymous wrote:
@rostrow416 wrote:
I haven't noticed any longer delays than normal clearing pending transactions and for me they usually go to approve the card at time of order.
thank you. do you know if i'm able to prepay the credit card and they'll free up credit line that way?

What's your cl?

Maybe calling this number could help, might get you considered (?) for an increase depending on certain factors like cl vs balance, income, overall spend. Idk for sure but they have a section concerning cl (below) and a number to call.

Q: Who can I contact with questions about my credit limit?
A: Please call 1-800-424-6888

Re: target cc credit limit question

SUPERSQUID — Wed, 20 Oct 2021 14:39:09 GMT

@Anonymous wrote:
@rostrow416 wrote:
I haven't noticed any longer delays than normal clearing pending transactions and for me they usually go to approve the card at time of order.
thank you. do you know if i'm able to prepay the credit card and they'll free up credit line that way?

Yes you can prepay, i do it all the time. a payment will register in your available credit the next day.

Re: target cc credit limit question

Anonymous — Fri, 29 Oct 2021 21:17:06 GMT

Does requesting a credit limit increase for the target credit card result in a hard pull?

Re: target cc credit limit question

collics — Fri, 29 Oct 2021 21:41:45 GMT

@Anonymous wrote:
Does requesting a credit limit increase for the target credit card result in a hard pull?

I don't believe you can request a CLI for the target card. Had mine 6 years. They increase as they see fit.

Re: target cc credit limit question

FinStar — Fri, 29 Oct 2021 21:57:29 GMT

@Anonymous wrote:
Does requesting a credit limit increase for the target credit card result in a hard pull?

That isn't an option @Anonymous.

Auto-CLIs are a hit or miss for a variety of accounts/profiles. Some have not received any for years while others get them periodically.

Also, the MC is by invitation, not something that can be requested.

Re: target cc credit limit question

SUPERSQUID — Fri, 29 Oct 2021 22:31:15 GMT

@Anonymous wrote:
Does requesting a credit limit increase for the target credit card result in a hard pull?

I have my card a year. at 8 months i updated my income and a few days later they gave me an automatic sp cli 300-500

Re: target cc credit limit question

collics — Sat, 30 Oct 2021 02:26:34 GMT

@SUPERSQUID wrote:
@Anonymous wrote:
Does requesting a credit limit increase for the target credit card result in a hard pull?
I have my card a year. at 8 months i updated my income and a few days later they gave me an automatic sp cli 300-500

I've read so many threads and finally ready to commit to trying to prompt a CLI from them. Data points suggest light use and updating the income each month.

I've paid the card off after 4 years finally. I'll buy a Verizon gift card for the 5% discount to pay my cell bill, and update income.

I'll see if this warrants any results. Fingers crossed.