topic Re: Target Card in Credit Cards

Target Card

Anonymous — Thu, 21 Jun 2012 13:40:36 GMT

I got approved for a Target store CC, but only for $200. So I want to know how often does Target increases your credit limit? Thanks

Re: Target Card

Anonymous — Thu, 21 Jun 2012 13:42:27 GMT

People I know get them often. Went from 500 to 4800 in a year and half. I think they like use.

Re: Target Card

lithium78 — Thu, 21 Jun 2012 13:44:46 GMT

I've had the Target redcard for four years. After a year, it increased from $200 to $1000 and it has stayed there ever since. I use the card fairly often too. They don't accept customer initiated CLIs.

Re: Target Card

CS800 — Thu, 21 Jun 2012 13:50:58 GMT

I was contemplating getting a Tar-jay card. Since I buy my stuffs in NH (no sales tax) I can get the full 5% off versus having to compete with the 6.25% sales tax in MA where I live.

Re: Target Card

llecs — Thu, 21 Jun 2012 13:52:21 GMT

I got mine in 2007 at $200. After PIF, then leaving a balance, then using it and PIF multiple times in a month, and after 4 years, I closed it after receiving 0 CLIs.

DW also started with $200. She used it for her first purchase and it went over to $210 after she did the initial card swipe. She left some items and completed the transaction. The next month they gave her a $300 CLI.

Re: Target Card

Anonymous — Thu, 21 Jun 2012 14:23:39 GMT

Good to know thanks.

Re: Target Card

RockinRay — Thu, 21 Jun 2012 14:36:14 GMT

They are known for low limits to start with. The 5% is a nice deal. We do most of our grocery and general shopping at Target, and so far this year, we have saved $180 by using our Red Card. It really adds up quickly. Use it, pay it, use it, pay it. I think they will reward you with a CLI sooner than later.

Re: Target Card

SwiftTone — Thu, 21 Jun 2012 14:51:18 GMT

If you guys just want to get the 5% off, you can just get the regular non CC target card that links to your checking account. I believe it has the same perks but just not a credit account.

CS800: where in MA are you? I rarely go to NH to shop as I find similar deals online without have to spend the gas and time to go to NH

Re: Target Card

CS800 — Thu, 21 Jun 2012 15:12:56 GMT

@RockinRay wrote:
They are known for low limits to start with. The 5% is a nice deal. We do most of our grocery and general shopping at Target, and so far this year, we have saved $180 by using our Red Card. It really adds up quickly. Use it, pay it, use it, pay it. I think they will reward you with a CLI sooner than later.

The target here in MA and NH just started offering groceries. But you can save more by going to a local grocery store here like Hannafords or Shaws. Give you and example, I buy the chobani greek yogurt every week. At Shaws it's $1 a piece at Target it's $1.29 for the same thing.

Re: Target Card

RockinRay — Thu, 21 Jun 2012 15:16:55 GMT

@SwiftTone wrote:
If you guys just want to get the 5% off, you can just get the regular non CC target card that links to your checking account. I believe it has the same perks but just not a credit account.

+1 - this is how I started. When you get their debit card, they ask for your social. They do not pull credit but I think this is for their internal records. I did this and used the debit card for 6 months. After 6 months, I app'd for the RedCard at the store and was approved for $2500. They keep track of your spending.

If you want to get a decent line to start with, you might consider doing the same but as always YMMV...

Re: Target Card

mygoal750 — Thu, 21 Jun 2012 15:45:04 GMT

I got a Target CC back in 2006. Got the register receipt saying I'd been pre-approved for the credit card. I was approved for $5,500. I was shocked...2005 was a very bad year for me, credit-wise. Have no idea what my score was at that time. I used it heavily, and always carried a balance. Had a lot of "issues" (job loss, etc) and it was nearly maxed out for almost a year. In January 2012, i called and asked for either a interest rate reduction or credit line increase. They said no to both (6 yrs of history, always paid on time, 22.9% interest). I got a cc with NFCU and transfered the Target balance to NFCU and have sock drawered that Target card. NFCU gave me a cl of $14k, so my utilization went from 90% on Target to about 40% on NFCU. so, I wouldn't expect too many CLIs increases from Target, unless they've revised their practices in the last 6 months.

Re: Target Card

MsLadyRover — Thu, 21 Jun 2012 16:26:50 GMT

I received my Target card in June 2008. It started with a $200 limit. After about a month, maybe two, they increased it to $500. It has been there ever since and when you call for an increase it says they are not doing increases.

Re: Target Card

Creditaddict — Thu, 21 Jun 2012 17:28:44 GMT

@Anonymous wrote:
I got approved for a Target store CC, but only for $200. So I want to know how often does Target increases your credit limit? Thanks

Oh Goodie I get to Share/Shock another Target newbie!!! LOL

I have 4 Target Red Store Credit Cards - No debit, No visa

1999 - $200 increased to $300 after 6 months and today = $300

2008 - $300 Today = $300

2008 - $200 increased to $1000 bak in 2009 or 2010 I believe right before Christmas many either went to $500 or to $1000 and then it was a screaching hault on CLI again but last year sometime when I paid them all off and had been making REALLY heavy use this one some how increased to $1500.

2009 - $200 Today = $200

I could never figure out the computer system and how it picked my 3rd card to be the only card to EVER get CLI after early 2000 when I got the $100 CLI on my 6 month old account just 6 months after turning 18!

Really I started applying for another Target Card in response to them saying they don't take customer initiated CLI and it really was kind of a joke to even apply because I didn't know or think you could have a 2nd card... but once the 2nd card was given then one day when I was purchasing around $200-$300 I was like Ill apply, I don't care about inq or new account but id take the 10% off for new account! and it approved.

It wasn't until just recently within last 6 months I actually applied for a 5th and got a denial that simply said you can only have 1 target card! I tried to call in and recon based on that statement is not true and it appears and I say only (appears) the the internal system now checks for other accounts and won't allow it to approve because when I spoke with rep about recon and she stated you have another account Target won't allow 2 accounts... I said well I have 4 accounts, so when did Target stop allowing more then 1... She didn't believe me that I had 4 and didn't really have an answer on when Target stopped allowing, becuase she never knew them to allow and it's always odd to me that when they type in my social they don't seem to get 4 accounts that pop up on the computer.. they seem to have to really search and they still area always confused by it....

OOPS, sorry forgot the point of all this... Don't hold your breath on a CLI EVER becuase you will die long before you see it... I think the censes currently and has been for some time is they are currently blocked from issueing CLI at all and reps, managers, etc. have no access or authority to over ride... seems like the computer in the closet that GE has making all the banking decisions!

Re: Target Card

Anonymous — Thu, 21 Jun 2012 17:50:07 GMT

I got my Target card almost 2 years ago, 3000 CL and it has not budged. I honestly do not expect it to move up either. Not sure what I could get worth 3k at Target

Re: Target Card

Anonymous — Thu, 21 Jun 2012 18:22:29 GMT

I 'think' I may hold the Target record. I opened a Target account in 1986, yes 1986 with a CL of $200. 20 years later, they gave me a CLI to $500, where it is today. I've used the card here and there to keep it active since its my oldest trade line. Never been late on it, never over limit. It is in my sock drawer because its just pretty silly.

Re: Target Card

Creditaddict — Thu, 21 Jun 2012 18:33:08 GMT

@Anonymous wrote:
I 'think' I may hold the Target record. I opened a Target account in 1986, yes 1986 with a CL of $200. 20 years later, they gave me a CLI to $500, where it is today. I've used the card here and there to keep it active since its my oldest trade line. Never been late on it, never over limit. It is in my sock drawer because its just pretty silly.

HAHA, sometimes I use to think that my card opened in 1999 was left behind when they took accounts online instead of on paper

I had an account that was 6 or 7 digits I believe it was... I think in 2006-8? they moved to 10? maybe 13? I was thinking because they finally ran out of variations!

I always feel that account is just lost in the system, Im lucky to get a statement... I guess it had a $0 balance when If iled Ch 7 because it did not close and then when I filed my ch 13 it had 0 balance also and was left alone and target did not close...

Re: Target Card

MsLadyRover — Thu, 21 Jun 2012 18:33:58 GMT

@Anonymous wrote:
I 'think' I may hold the Target record. I opened a Target account in 1986, yes 1986 with a CL of $200. 20 years later, they gave me a CLI to $500, where it is today. I've used the card here and there to keep it active since its my oldest trade line. Never been late on it, never over limit. It is in my sock drawer because its just pretty silly.

Wow! 1986? I didn't even know that Target stores existed then.

Re: Target Card

learnin113 — Thu, 21 Jun 2012 19:18:57 GMT

@lithium78 wrote:
I've had the Target redcard for four years. After a year, it increased from $200 to $1000 and it has stayed there ever since. I use the card fairly often too. They don't accept customer initiated CLIs.

Exactly the case with me.