topic Re: Macy's and Target Auto CLI in Credit Cards

Macy's and Target Auto CLI

Anonymous — Tue, 13 Apr 2010 16:26:01 GMT

Hello, All!

Has anyone gotten an auto CLI from Target or Macy's recently? I recently read that Macy's is doing hard inquiries if you call in to request them. I received my Macy's card in October 2009. I started at $300, but I requested a CLI by phone via the backdoor number, and was approved for $100 CLI without a hard inq.

Also, I have had my Target card (not VISA) for 3 1/2 years. I am still at $500.

I have used these cards pretty regularly (already moved up to GOLD star rewards with Macy's). I carry a balance no more than 2 statements, then I pay in full. Currently both cards have a zero balance.

Thanks,

Jelly

Re: Macy's and Target Auto CLI

lkcrew426 — Tue, 13 Apr 2010 16:33:58 GMT

I don't have Macy's but I tried to get a CLI on Target and their system instructed me that they are not considering CLI requests at this time, and they would reevaluate accounts for CLI if/when they offer them in the future. My Target went from $200 to $1000 about 6 months ago, and I was hoping to convert to Visa, but no such luck.

Re: Macy's and Target Auto CLI

Anonymous — Tue, 13 Apr 2010 16:39:51 GMT

@cruthisfamily wrote:
I don't have Macy's but I tried to get a CLI on Target and their system instructed me that they are not considering CLI requests at this time, and they would reevaluate accounts for CLI if/when they offer them in the future. My Target went from $200 to $1000 about 6 months ago, and I was hoping to convert to Visa, but no such luck.
Thanks for your quick reply!!

I got this message, too. But I was wondering, if they are still doing auto CLI ans if anyone has gotten one lately? So many CCC are cutting back on extending credit, even to current card holders. I wonder if Target is doing the same.

Thanks again!

Re: Macy's and Target Auto CLI

Anonymous — Tue, 13 Apr 2010 18:12:27 GMT

@Anonymous wrote:
I received my Macy's card in October 2009. I started at $300, but I requested a CLI by phone via the backdoor number, and was approved for $100 CLI without a hard inq.

That's good to hear! Did the Macy's CLI occur before or after the Feb. 22 CC reform?

Re: Macy's and Target Auto CLI

Anonymous — Tue, 13 Apr 2010 18:21:37 GMT

@Anonymous wrote:
@Anonymous wrote:
I received my Macy's card in October 2009. I started at $300, but I requested a CLI by phone via the backdoor number, and was approved for $100 CLI without a hard inq.
That's good to hear! Did the Macy's CLI occur before or after the Feb. 22 CC reform?

Before.

Re: Macy's and Target Auto CLI

Anonymous — Tue, 13 Apr 2010 18:27:04 GMT

well that was great timing, then!

Word on the street is that post Feb. 22, many folks are gettng a hard pull for their Macy's CLI's.

I opened in July 09, CLI in Oct 09 without a hard pull, CLI in Jan 09 without a hard pull, and CLI in April 10 required a hard pull.

I am thinking that it's one initial hard pull (per consumer) and that they will not hard pull all CLI's going forward - but we will see.

I like my Macy's card. I'm rebuilding and started at $1000 CL and am now at $3100. Hope they are very very good to you. I will stick with them.

Re: Macy's and Target Auto CLI

Anonymous — Tue, 13 Apr 2010 19:34:13 GMT

@Anonymous wrote:
well that was great timing, then!

Word on the street is that post Feb. 22, many folks are gettng a hard pull for their Macy's CLI's.

I opened in July 09, CLI in Oct 09 without a hard pull, CLI in Jan 09 without a hard pull, and CLI in April 10 required a hard pull.

I am thinking that it's one initial hard pull (per consumer) and that they will not hard pull all CLI's going forward - but we will see.

I like my Macy's card. I'm rebuilding and started at $1000 CL and am now at $3100. Hope they are very very good to you. I will stick with them.

Thanks for the info!! I like my Macy's card, too!! Just wish I had a higher limit. Do you think that they will be REQUIRING a hard pull from everyone for the first post-credit card act cli? Or if I let enough time pass with good use and payment history, I'll get an auto CLI.

BTW: They have already been good to me...they approved me!!! I had a Macy's card years ago, but it was closed as it was IIB. So I am quite grateful.

FYI: I checked my EQ report today and saw that Macy's did an AR (account review) inquiry. This strange as they hard pulled EX to approve me for the card in the first place.

Re: Macy's and Target Auto CLI

Anonymous — Tue, 13 Apr 2010 21:00:47 GMT

Does anyone have any info on the Target card CLIs?

Re: Macy's and Target Auto CLI

Anonymous — Wed, 14 Apr 2010 17:02:26 GMT

+1 Anyone?

Re: Macy's and Target Auto CLI

tray — Thu, 15 Apr 2010 00:26:35 GMT

@Anonymous wrote:
Does anyone have any info on the Target card CLIs?

Don't stress yourself out with Target they are the worst store card to have. I have had this card for since 2008 and NO cli's never been late have spent way over $1,000.00 before a year was even up for a lousy 10% off day spree and believe me there are alot of people on this forum that will say the same thing and hardly any cli's. Good Luck in your quest.

Re: Macy's and Target Auto CLI

daisyduke — Thu, 15 Apr 2010 00:51:51 GMT

Jellyfish (what a cute name!) - I called Target 2 times and spoke a rep. Got a Visa from them in Oct 09 and wanted an increase in Feb - They said, on both occasions they are not taking consumer initiated requests for CLI's but would review the account when the time comes. Now, no definitive answer about a time frame either...I asked.

Re: Macy's and Target Auto CLI

Anonymous — Thu, 15 Apr 2010 02:59:49 GMT

I have a Target card, that I have had for about 10 years. For about 8 years I had the same credit limit of $300.00, then low and behold 2 years ago, right before Christmas, they raised my limit to $1000.00. I think $1000.00 is the limit for the store card, as that is what I have read from most people. Also, it seems that they do this credit increase right before Christmas, usually around the first part of November. Maybe so you can wait in line on black Friday and spend money! I like my Target card, and usually pay it right off, but then seem to be in there the next week and see something else on sale. So I put it on the card...and pay it off again...it is a vicious cycle. Good luck!

Re: Macy's and Target Auto CLI

jrdenver — Thu, 15 Apr 2010 18:30:36 GMT

My target card was opened with $1000 probably 3-4 years ago, and got auto CLIs in the first year (as well as conversion to a Visa).

Now it is $3500, but when I called for CLI, I got the same message (not taking requests). Mine sits sub 1% util, typically. However I have been known to charge up to 30-40% (and pay it off before it cycles).

Re: Macy's and Target Auto CLI

Anonymous — Thu, 15 Apr 2010 20:09:27 GMT

I've had my Macy's card since 2007 and they've always done auto CLIs about every 6 months or so, about $500 a pop. The last one I received was December 2009. I used to hover right around the limit but I just paid it off so we'll see if that makes a difference. Maybe they just kept bumping me up so I'd keep using the card instead of maxing out and paying it down or leaving it idle.

Re: Macy's and Target Auto CLI

Anonymous — Thu, 15 Apr 2010 21:49:27 GMT

@Anonymous wrote:
I've had my Macy's card since 2007 and they've always done auto CLIs about every 6 months or so, about $500 a pop. The last one I received was December 2009. I used to hover right around the limit but I just paid it off so we'll see if that makes a difference. Maybe they just kept bumping me up so I'd keep using the card instead of maxing out and paying it down or leaving it idle.

I'm glad to know that Macy's does auto cli's. Maybe I'll sit back and relax and see what happens!!

Re: Macy's and Target Auto CLI

happy0510 — Tue, 20 Apr 2010 22:54:51 GMT

Hmmm....opened my Macy's in September 2009. I'm at the 7 month mark. I'm rebuilding and they gave me an 800CL which I was completely shocked by at the time. I wonder if I will be lucky!!