topic Re: Info on Target Store Card in Credit Cards

Info on Target Store Card

nursepower — Thu, 27 Mar 2014 21:00:21 GMT

I called today to threaten to cancel my card since I've had the same $500 limit since 2007. She said they are working on a program that will be rolled out in 2014 where people can request increases and the account will be sent for review. Just so people know "Apparently" CLI's are on the horizon. I kept it open and she was proud of herself but I wasn't really gonna close anyway as it's my oldest account.

Re: Info on Target Store Card

sailor_mercury — Thu, 27 Mar 2014 21:03:46 GMT

Thanks!

I've avoided apping for Target because of low CLs and lack of CLIs.

I'll keep an eye out. They may go back onto my list in 2015.

Re: Info on Target Store Card

nursepower — Thu, 27 Mar 2014 21:08:47 GMT

You could always get the Debit card.

That one still give you the 5% but comes out of your checking accuont a day or two later.

Re: Info on Target Store Card

sailor_mercury — Thu, 27 Mar 2014 21:11:33 GMT

@nursepower wrote:
You could always get the Debit card.

That one still give you the 5% but comes out of your checking accuont a day or two later.

I've had the debit card for about 5 years now. The 5% does save me a considerable amount (over $200) every year. I have not used my Target Debit since the security breach since it's attached to my checking account. But I've also shopped there very little since before the holidays.

Re: Info on Target Store Card

SunriseEarth — Thu, 27 Mar 2014 22:37:24 GMT

@nursepower wrote:
I called today to threaten to cancel my card since I've had the same $500 limit since 2007. She said they are working on a program that will be rolled out in 2014 where people can request increases and the account will be sent for review. Just so people know "Apparently" CLI's are on the horizon. I kept it open and she was proud of herself but I wasn't really gonna close anyway as it's my oldest account.

If you want a higher CL, the new approvals seem to be getting them. People seem to have luck cancelling the old CC and getting a new one (the newer CCs started with TD Bank also seem more likely to get auto CLIs currently). Of course, that shortens your AAoA, so it might be worth it to just wait for the CLI requests to be available.

I was approved for $1000 this month. I was ~689 on EQ at the time of approval.

Re: Info on Target Store Card

H4LO — Thu, 27 Mar 2014 23:01:15 GMT

@SunriseEarth wrote:
@nursepower wrote:
I called today to threaten to cancel my card since I've had the same $500 limit since 2007. She said they are working on a program that will be rolled out in 2014 where people can request increases and the account will be sent for review. Just so people know "Apparently" CLI's are on the horizon. I kept it open and she was proud of herself but I wasn't really gonna close anyway as it's my oldest account.
If you want a higher CL, the new approvals seem to be getting them. People seem to have luck cancelling the old CC and getting a new one (the newer CCs started with TD Bank also seem more likely to get auto CLIs currently). Of course, that shortens your AAoA, so it might be worth it to just wait for the CLI requests to be available.

I was approved for $1000 this month. I was ~689 on EQ at the time of approval.

Who underwrote them before TD Bank?

Re: Info on Target Store Card

wmweeza — Thu, 27 Mar 2014 23:05:28 GMT

@nursepower wrote:
I called today to threaten to cancel my card since I've had the same $500 limit since 2007. She said they are working on a program that will be rolled out in 2014 where people can request increases and the account will be sent for review. Just so people know "Apparently" CLI's are on the horizon. I kept it open and she was proud of herself but I wasn't really gonna close anyway as it's my oldest account.

Thank you for the info!

Re: Info on Target Store Card

SunriseEarth — Thu, 27 Mar 2014 23:14:36 GMT

@H4LO wrote:
@SunriseEarth wrote:
@nursepower wrote:
I called today to threaten to cancel my card since I've had the same $500 limit since 2007. She said they are working on a program that will be rolled out in 2014 where people can request increases and the account will be sent for review. Just so people know "Apparently" CLI's are on the horizon. I kept it open and she was proud of herself but I wasn't really gonna close anyway as it's my oldest account.
If you want a higher CL, the new approvals seem to be getting them. People seem to have luck cancelling the old CC and getting a new one (the newer CCs started with TD Bank also seem more likely to get auto CLIs currently). Of course, that shortens your AAoA, so it might be worth it to just wait for the CLI requests to be available.

I was approved for $1000 this month. I was ~689 on EQ at the time of approval.
Who underwrote them before TD Bank?

Target had its own bank (Target National Bank).

Re: Info on Target Store Card

MsLadyRover — Thu, 27 Mar 2014 23:47:07 GMT

@nursepower wrote:
I called today to threaten to cancel my card since I've had the same $500 limit since 2007. She said they are working on a program that will be rolled out in 2014 where people can request increases and the account will be sent for review. Just so people know "Apparently" CLI's are on the horizon. I kept it open and she was proud of herself but I wasn't really gonna close anyway as it's my oldest account.

Thanks for the info.

I was online paying my bill today and thinking to myself this $500 limit is pathetic! I'm crossing my fingers that this new program goes into effect.

Re: Info on Target Store Card

Anonymous — Fri, 28 Mar 2014 01:01:14 GMT

I've had the credit card since 2008 with no luck getting an increase on my $500 CL in the last couple of years. I use this card all the time and is has come in handy for free shipping on larger furniture pieces. I was just thinking about closing the card and opening a new one seeing some of the larger limit approvals recently. I guess I will hold out and see if anything changes in the next 6 months. In the meantime does anyone have experience with the debit card? I was just wondering if this offered free shipping in addition to the 5% off as well.

Re: Info on Target Store Card

kevinjjc — Fri, 28 Mar 2014 01:06:08 GMT

Thanks for the info. If they actually implement a CLI process, I might finally apply for a Target credit card.

Re: Info on Target Store Card

Anonymous — Fri, 28 Mar 2014 06:14:32 GMT

This is going to be a weird question about the Target Card in this thread.

My wife has apped twice in the last 7 months.

No inquires have showed up. Is this normally the case with Target? I just ran her annual credit report and it didn't show up on any of them.

Re: Info on Target Store Card

Kennie02 — Fri, 28 Mar 2014 08:54:34 GMT

Chris79,

i have the Target debit card and no you don't get free shipping with it so that sucks!!

Re: Info on Target Store Card

avv7c0 — Fri, 28 Mar 2014 11:38:38 GMT

You didn't used to get the free shipping, but you do now. All of the perks are available to any RedCard holder.

Differences:
===================
Target Debit RedCard - Must be tied to a checking account, can only be used at Target, cash back permitted at POS like any debit card.
--------------------------------
Target RedCard - Credit card with CL, can only be used at Target
--------------------------------
Target Visa RedCard - Credit card with CL, can be used anywhere Visa is accepted, includes standard Visa perks
===================

That's it. You get 5% discount on all purchases, free shipping on Target.com and an extra 30 days added to your eligible window for returns. Doesn't matter which version you have.

We just got our Target Debit RedCard last week. Like others, I didn't want to give Target my bank account info, so I set up a free online checking account (I did Cap1, but there are several options), put $300 in there, and used that account to set up the Target Debit. That way I'm shielded in terms of my primary banking accounts with USAA.

Re: Info on Target Store Card

Snookie517 — Thu, 17 Jul 2014 03:53:44 GMT

yes you get all the same perks w their debit card , i have had it for about a year .....much to my surprise i was approved for a target card for $300 ! Gonna try and control my itchy finger now and garden what i have .

Re: Info on Target Store Card

BluePoodle — Thu, 17 Jul 2014 04:03:05 GMT

@SunriseEarth wrote:
@nursepower wrote:
I called today to threaten to cancel my card since I've had the same $500 limit since 2007. She said they are working on a program that will be rolled out in 2014 where people can request increases and the account will be sent for review. Just so people know "Apparently" CLI's are on the horizon. I kept it open and she was proud of herself but I wasn't really gonna close anyway as it's my oldest account.
If you want a higher CL, the new approvals seem to be getting them. People seem to have luck cancelling the old CC and getting a new one (the newer CCs started with TD Bank also seem more likely to get auto CLIs currently). Of course, that shortens your AAoA, so it might be worth it to just wait for the CLI requests to be available.

I was approved for $1000 this month. I was ~689 on EQ at the time of approval.

I hope they do start giving out CLI's. I don't think I will ever get one though, I was given $3 when I apped in May. So yes, new approved accounts seem to be getting decent limits.