topic Re: Target credit increase in Credit Cards

Target credit increase

911gt34life — Mon, 08 Sep 2025 18:13:15 GMT

After speaking to Target customer service credit increase are automatic you cannot request it...

I'm sitting at 700 still...

I know some of you guys have the MasterCard version I still have the store card

Re: Target credit increase

ptatohed — Mon, 08 Sep 2025 18:44:42 GMT

You're at 700 what? I'm not sure what you are asking.

Re: Target credit increase

crystal626 — Mon, 08 Sep 2025 21:44:27 GMT

Limit most likely

Re: Target credit increase

NoMoreE46 — Tue, 09 Sep 2025 16:34:12 GMT

@911gt34life

How one gets a CL Increase is a well known mystery today.

Back in the day {2016-2019} the MC version ($4,000 was the buy-in CL) was auto luv of $2,000 every six months for many of us. PS max CL is $17,000 but I dont think anyone here is there.

@911gt34life wrote:
After speaking to Target customer service credit increase are automatic you cannot request it...

I'm sitting at 700 still...

I know some of you guys have the MasterCard version I still have the store card

Re: Target credit increase

Drifter73 — Tue, 09 Sep 2025 01:33:24 GMT

@911gt34life wrote:
After speaking to Target customer service credit increase are automatic you cannot request it...

I'm sitting at 700 still...

I know some of you guys have the MasterCard version I still have the store card

4 yrs in and I've only had 1 cli from target. It took 2 years for them to increase me fron $400 to $600 and I made sure to spend a couple hundred per month and pif the 1st and 2nd year.

With no movement on cl in year 3 I stopped force spending and now spend, maybe $200 every 3 months there.

Done trying to chase the elusive Target cli dragon.

Re: Target credit increase

coldfusion — Tue, 09 Sep 2025 11:20:01 GMT

@911gt34life wrote:
After speaking to Target customer service credit increase are automatic you cannot request it...

I'm sitting at 700 still...

I know some of you guys have the MasterCard version I still have the store card

Correct. Can't request a CLI, TD Bank decides on their own if and when you'll get one.

The historical recommendation to inprove odds of an autocli on the store card has been to:

a) put spend on the card every month, let the balance report, and always PIF the resulting statement balance.

b) every month log in onlne and update your income, even if it hasn't changed.

Re: Target credit increase

MrsCHX — Tue, 09 Sep 2025 15:20:14 GMT

TD Bank is unlike other issuers. They will decide if and when, and their reasoning is largely unknown.

The Red Card is the card you have because it makes sense for you to have it. You shop Target and the 5% plus discounted Circle membership makes it worthwhile. It's not one you "play the game" with.

I got my Red Card September 2022 with $500 limit and within a year was increased to $900. And then, it stayed there. For two years.

My limit was just increased to $1,100.

Re: Target credit increase

yam1rts — Tue, 09 Sep 2025 16:54:33 GMT

Good to know, thank you for sharing.

Re: Target credit increase

PullingMeSoftly — Wed, 10 Sep 2025 00:31:39 GMT

I'm at 5 years, 7 months with not a single line increase ever...still at the original $2500 SL

Until a couple months ago, dw and I have kept this card active every month and I've always paid the statement balance in full. Also updated my income monthly. Yet, no dice.

Re: Target credit increase

FicoMike0 — Wed, 10 Sep 2025 01:28:15 GMT

Target sux.

Re: Target credit increase

FicoMike0 — Wed, 10 Sep 2025 01:29:14 GMT

Canal water.