topic Re: C'mon Target... in Credit Cards

C'mon Target...

Drew — Thu, 19 Sep 2013 16:41:45 GMT

It's already been over a year with perfect payment history and 150% usage every month; yet, I still havent received a CLI. I am so damn annoyed right now. This is literally the only card I have with a credit limit less than $5000.00. I've tried, what I believe to be, every available channel of communication to get a CLI from them without success.

Can anyone shed some light on how to best bring this to the attention of Target?

Re: C'mon Target...

nursepower — Thu, 19 Sep 2013 16:58:57 GMT

Try to close the card and voice that as the reason when they ask....because they do ask and then give all types of reasons on why you should keep it. Maybe they will offer higher limit if you tell them that's why your closing it.

Re: C'mon Target...

Anonymous — Thu, 19 Sep 2013 16:59:42 GMT

From what I have heard, they are stingier with CLIs than Cap1... and that is saying something. Some people get them out of the blue, but I probably count on one hand the number of times I have seen it happen on here.

Re: C'mon Target...

Drew — Thu, 19 Sep 2013 17:00:08 GMT

@nursepower wrote:
Try to close the card and voice that as the reason when they ask....because they do ask and then give all types of reasons on why you should keep it. Maybe they will offer higher limit if you tell them that's why your closing it.

Have you had success with this strategy yourself?

Re: C'mon Target...

nursepower — Thu, 19 Sep 2013 17:04:12 GMT

No...I was trying to close it because I'm kind of onboard with the DR program and he talked to me til the cows came home on why I should keep it. I didn't mention credit limit as being one of them because I barely use the card. I'm sure if I had he would have tried to offer me something.

Re: C'mon Target...

nursepower — Thu, 19 Sep 2013 17:05:21 GMT

Also is this the store card or the VISA?

Re: C'mon Target...

Drew — Thu, 19 Sep 2013 17:13:23 GMT

@nursepower wrote:
Also is this the store card or the VISA?

Store/Redcard.

Re: C'mon Target...

nursepower — Thu, 19 Sep 2013 17:17:54 GMT

That's what I have and I've been stuck at $500 since I opened it which was about 8 years ago. When I've tried to increase by phone they told me they don't do that and they review periodically to see if the person is eligible. Oh Well...now i Have their debit and don't need the CC for the 5% off.

Re: C'mon Target...

Azumi1 — Thu, 19 Sep 2013 22:14:23 GMT

I got their attention but it didn't do me much good. I emailed the president of TD Bank, and was later contacted by the Target EO. This was done mid-July. I received a call a few days ago.....they gave me a cli of $200. I've had the card for 18 years and that's all I get. I'm seriously thinking about closing the account after I try for a house next year. Obviously they don't care about their cardholders, so why should I put my money in their pockets. I don't even shop there anymore.

Re: C'mon Target...

SuperKirby — Thu, 19 Sep 2013 22:31:26 GMT

@Azumi1 wrote:
I got their attention but it didn't do me much good. I emailed the president of TD Bank, and was later contacted by the Target EO. This was done mid-July. I received a call a few days ago.....they gave me a cli of $200. I've had the card for 18 years and that's all I get. I'm seriously thinking about closing the account after I try for a house next year. Obviously they don't care about their cardholders, so why should I put my money in their pockets. I don't even shop there anymore.

Jeez, u got the EO to call u and u got a $200 CLI?! wow.

Re: C'mon Target...

youngandcreditwrthy — Thu, 19 Sep 2013 22:37:17 GMT

I'd just close it if I were you. I did. Lol

Re: C'mon Target...

Azumi1 — Thu, 19 Sep 2013 22:37:50 GMT

@SuperKirby wrote:
@Azumi1 wrote:
I got their attention but it didn't do me much good. I emailed the president of TD Bank, and was later contacted by the Target EO. This was done mid-July. I received a call a few days ago.....they gave me a cli of $200. I've had the card for 18 years and that's all I get. I'm seriously thinking about closing the account after I try for a house next year. Obviously they don't care about their cardholders, so why should I put my money in their pockets. I don't even shop there anymore.
Jeez, u got the EO to call u and u got a $200 CLI?! wow.

And it took them 2 months to decide to give me that

Re: C'mon Target...

SuperKirby — Thu, 19 Sep 2013 22:39:45 GMT

@Azumi1 wrote:
@SuperKirby wrote:
@Azumi1 wrote:
I got their attention but it didn't do me much good. I emailed the president of TD Bank, and was later contacted by the Target EO. This was done mid-July. I received a call a few days ago.....they gave me a cli of $200. I've had the card for 18 years and that's all I get. I'm seriously thinking about closing the account after I try for a house next year. Obviously they don't care about their cardholders, so why should I put my money in their pockets. I don't even shop there anymore.
Jeez, u got the EO to call u and u got a $200 CLI?! wow.
And it took them 2 months to decide to give me that

Sorry to hear, but I'm just literally LoL-ing now. Call to cancel...

Re: C'mon Target...

Azumi1 — Thu, 19 Sep 2013 22:56:43 GMT

@SuperKirby wrote:
@Azumi1 wrote:
@SuperKirby wrote:
@Azumi1 wrote:
I got their attention but it didn't do me much good. I emailed the president of TD Bank, and was later contacted by the Target EO. This was done mid-July. I received a call a few days ago.....they gave me a cli of $200. I've had the card for 18 years and that's all I get. I'm seriously thinking about closing the account after I try for a house next year. Obviously they don't care about their cardholders, so why should I put my money in their pockets. I don't even shop there anymore.
Jeez, u got the EO to call u and u got a $200 CLI?! wow.
And it took them 2 months to decide to give me that
Sorry to hear, but I'm just literally LoL-ing now. Call to cancel...

It's my oldest tradeline....I want to wait until I have my mortage first. That won't be until next year.

Re: C'mon Target...

SuperKirby — Thu, 19 Sep 2013 23:26:27 GMT

@Azumi1 wrote:
@SuperKirby wrote:
@Azumi1 wrote:
@SuperKirby wrote:
@Azumi1 wrote:
I got their attention but it didn't do me much good. I emailed the president of TD Bank, and was later contacted by the Target EO. This was done mid-July. I received a call a few days ago.....they gave me a cli of $200. I've had the card for 18 years and that's all I get. I'm seriously thinking about closing the account after I try for a house next year. Obviously they don't care about their cardholders, so why should I put my money in their pockets. I don't even shop there anymore.
Jeez, u got the EO to call u and u got a $200 CLI?! wow.
And it took them 2 months to decide to give me that
Sorry to hear, but I'm just literally LoL-ing now. Call to cancel...
It's my oldest tradeline....I want to wait until I have my mortage first. That won't be until next year.

oh ok. well if you don't use it anymore, just sock drawer the heck out of it <--- whatever that means...

Re: C'mon Target...

SunriseEarth — Fri, 20 Sep 2013 00:01:05 GMT

@Azumi1 wrote:

It's my oldest tradeline....I want to wait until I have my mortage first. That won't be until next year.

If you close it, it will still be your oldest TL for the next ten years. Closing it won't bring down your AAoA and it sounds like it would hardly budge your UTIL.

Re: C'mon Target...

lithium78 — Fri, 20 Sep 2013 01:49:49 GMT

I've been stuck at $1000 for over four years now (after they increased it from $200). Honestly, I have never needed to buy more than $1000 in one shot from Target, so it hasn't really been an issue. I get the 5% discount and free shipping from Target.com (and extended return time if necessary), which is nice. I have been getting a lot of Target gift cards from friends lately, so I haven't used the card very much in a while, but I will probably keep it open forever, because there is no AF and it's helping my AAoA.

Re: C'mon Target...

youngandcreditwrthy — Fri, 20 Sep 2013 01:53:04 GMT

CUHLOSE 'er.
Target/or TD who the fuh ever needs a reality check. You can't give people a $300 cl and expext them to use the card...
Hell $18 later and you're at 9% util. I hardly expect a loan officer to be worried with a $200 CL.
No effect on aaoa at all. I promise. I closed 5 of my oldest cards and score didn't drop a bit.
Unless you have issues obtaining other cards or have no other cards, I would close it.
The odds are against you unfortunately. I got a $300 cl a few years back. After 1.5 years of running about 1000-2000 thru it w pif and no clis, I closed it. They didn't even care.
They did send me 10% coupons though every time I tried to close it like three months in a row...
Too bad 10% off of $200 is ONLY $20. Wth

Re: C'mon Target...

FinStar — Fri, 20 Sep 2013 01:54:11 GMT

@lithium78 wrote:
I've been stuck at $1000 for over four years now (after they increased it from $200). Honestly, I have never needed to buy more than $1000 in one shot from Target, so it hasn't really been an issue. I get the 5% discount and free shipping from Target.com (and extended return time if necessary), which is nice. I have been getting a lot of Target gift cards from friends lately, so I haven't used the card very much in a while, but I will probably keep it open forever, because there is no AF and it's helping my AAoA.

That's pretty much the reason why I kept my Target Visa open for so long. Interestingly enough this year I received two auto-CLIs...more than it has gotten in the last couple years. For one, the Visa version is no longer offered. Now, whether TD Bank decides to reincarnate it again is beyond anyone's guess since at this point it's just speculation, nothing concrete.

Re: C'mon Target...

SuperKirby — Fri, 20 Sep 2013 03:34:16 GMT

The target REDcard gives free shipping online? Is there a purchase amount requirement?