topic Re: [TARGET CARD] Upgraded to MC! in Credit Cards

[TARGET CARD] Upgraded to MC!

CashOutReFi — Tue, 30 Jan 2024 21:29:56 GMT

It's been a long time coming. Applied for my Target credit card in March 2020. My spending history has been generally $100-200 a month, and PIF. Almost 4 years!

I was initially approved in 3/20 with an SL of $2000, received a CLI up to a total line of $2500 within the last few months.

My MC conversion announcement included a CLI to $5000 limit, as well as the standard 2% on gas and dining, with 1% everywhere else.

Happy day!

Re: [TARGET CARD] Upgraded to MC!

BigBS — Tue, 30 Jan 2024 22:12:05 GMT

You are on a roll today! Congrats!

Re: [TARGET CARD] Upgraded to MC!

SouthJamaica — Tue, 30 Jan 2024 22:32:06 GMT

Congratulations on your upgrade and auto CLI.

Re: [TARGET CARD] Upgraded to MC!

Drifter73 — Wed, 31 Jan 2024 00:28:06 GMT

@CashOutReFi wrote:
It's been a long time coming. Applied for my Target credit card in March 2020. My spending history has been generally $100-200 a month, and PIF. Almost 4 years!

I was initially approved in 3/20 with an SL of $2000, received a CLI up to a total line of $2500 within the last few months.

My MC conversion announcement included a CLI to $5000 limit, as well as the standard 2% on gas and dining, with 1% everywhere else.

Happy day!

Curious, did you take a hit for it showing as a new account, or did it keep the same account information as the store version on the bureaus and just show as a cli + upgrade?

Re: [TARGET CARD] Upgraded to MC!

nytokyobred79 — Wed, 31 Jan 2024 00:41:03 GMT

Congrats on your upgrade and cli.

Re: [TARGET CARD] Upgraded to MC!

Zoostation1 — Wed, 31 Jan 2024 02:53:30 GMT

Congrats on the upgrade!

Re: [TARGET CARD] Upgraded to MC!

youngandcreditwrthy — Wed, 31 Jan 2024 16:04:45 GMT

@CashOutReFi OMG YOU LUCKY SOB!!!!!!! well, not lucky.. you earned it!!

this card aint perfect, but doggone it sure is a unicorn. I got impatient back in 2012 after 3 years of having the crappy 300 CL store card and closed it. lol

it seems like the synchrony ones upgrade after 2 years or so, and target store card upgrades after .. 3 or 4 years?

what a unicorn of an upgrade! with the Synchrony visa/mc upgrades, they reported a new account with the larger limit while closing th eold account with the old limit. Never affected my score much, but in theory it could. they dont back date. this was synchrony though. maybe someone else who had this unicorn experience can chime in .

Re: [TARGET CARD] Upgraded to MC!

CashOutReFi — Thu, 01 Feb 2024 01:09:42 GMT

I am looking at my original account opening date, and the new credit limit of $5000. No reset, no new account, no inquiry!

Re: [TARGET CARD] Upgraded to MC!

abcdefghijklmnopqrstuvwxy — Thu, 01 Feb 2024 01:19:43 GMT

wow youre lucky. i had my card at 2200 for the longest and target won't increase my credit line. hence i stopped using it ahha

Re: [TARGET CARD] Upgraded to MC!

Thomas_Thumb — Thu, 01 Feb 2024 01:28:07 GMT

@CashOutReFi wrote:
It's been a long time coming. Applied for my Target credit card in March 2020. Almost 4 years!

My MC conversion announcement included a CLI to $5000 limit, as well as the standard 2% on gas and dining, with 1% everywhere else.

Happy day!

Congrats on the conversion! My DW really likes her Target MC.