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Target RED Card Credit Line Increase??

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Member

Target RED Card Credit Line Increase??

Hi,

 

Ive had my Target RED card for about two years. I started off with a $200.00 credit limit. I want to say about eight months later, I received a $500.00 increase so a total credit limit of $700.00.

 

Does anyone else struggle with getting credit increases from Target RED Card? I have other store cards with the same time frame (age) and have recieved two credit increases within less than one year alone. I know every credit card is different, but I'm just curious. Also, any tips on getting a credit increase with Target RED Card? Does anyone else have this same problem with not getting increases with them?

 

I do update my income when asked, but still no increase in about a year now.

 

Thanks!!

Message 1 of 27
26 REPLIES 26
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Community Leader
Super Contributor

Re: Target RED Card Credit Line Increase??

It's normal for target. Once they start increasing though, they can start to be generous. I went almost 4 years without an increase. I've gotten one every 3 months since they started in December. Went from $300 to $1200. Next cycle is in 2 days, so we'll see if my train is still running.







Message 2 of 27
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Member

Re: Target RED Card Credit Line Increase??


@Brian_Earl_Spilner wrote:

It's normal for target. Once they start increasing though, they can start to be generous. I went almost 4 years without an increase. I've gotten one every 3 months since they started in December. Went from $300 to $1200. Next cycle is in 2 days, so we'll see if my train is still running.



Thank you for sharing! Target's RED Card is the card that I use the most so I always wonder im stuck with my limit.

Message 3 of 27
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Community Leader
Super Contributor

Re: Target RED Card Credit Line Increase??

No, from the data points here, once you get on the train with regular increases it leads to a mastercard upgrade. A few smaller increases>larger increase>big increase with upgrade.







Message 4 of 27
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Super Contributor

Re: Target RED Card Credit Line Increase??


@Brian_Earl_Spilner wrote:

No, from the data points here, once you get on the train with regular increases it leads to a mastercard upgrade. A few larger increase>larger increase>big increase with upgrade.


I think your statement should read

Big increase with upgrade > larger increase > big increase

The ">" means bigger or better than




3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>01/2020 CCT EX 832 TU 848 EQ 842
It's just a jump to the left
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Message 5 of 27
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New Contributor

Re: Target RED Card Credit Line Increase??


@Meanmchine wrote:

@Brian_Earl_Spilner wrote:

No, from the data points here, once you get on the train with regular increases it leads to a mastercard upgrade. A few larger increase>larger increase>big increase with upgrade.


I think your statement should read

Big increase with upgrade > larger increase > big increase

The ">" means bigger or better than


I think the usage was for an arrow or progressive path indicator. Not a math gt/lt indicator Smiley Very Happy







Message 6 of 27
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Community Leader
Super Contributor

Re: Target RED Card Credit Line Increase??


@xiocc wrote:

@Meanmchine wrote:

@Brian_Earl_Spilner wrote:

No, from the data points here, once you get on the train with regular increases it leads to a mastercard upgrade. A few larger increase>larger increase>big increase with upgrade.


I think your statement should read

Big increase with upgrade > larger increase > big increase

The ">" means bigger or better than


I think the usage was for an arrow or progressive path indicator. Not a math gt/lt indicator Smiley Very Happy


You would be correct







Message 7 of 27
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Valued Member

Re: Target RED Card Credit Line Increase??

Which CRA does Target use for RED card CLI requests?

CSR $41k (AU) || CSP $26.5k || CFU $20k || CIP $12k || HVFCU Plat $30k || NFCU Plat $20k || Apple Card $15k || Men’s Wearhouse $10k || Blue Nile $8.5k || Kay Jewelers $5k || Target $3k (AU)

***DPs as of 2/1/20***
FICO 8's: EX824 / EQ841 / TU836
AoOA: 16.5 yrs, AAoA: 6.5 yrs, UT: 5%
INQ: EX 4 / EQ 1 / TU 1
New Accts: 0/30, 3/6, 5/12, 5/24
Income: $330k, TCL: $191k

Next steps: PC my CSP to CF in July 2020 for the Chase ‘quadfecta’, then garden city until Jan 2022
Message 8 of 27
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Frequent Contributor

Re: Target RED Card Credit Line Increase??

I have Target MC this is what i did hope this helps you, opened target with 800 sl  (scores in700s) nine months later went to 2k now what i did, i buy tracfone cards there for my family so i buy them every month and let them auto pay so maybe 50-75 a month, update income every month, then at my 15 month they gave me a 7000 increase and upgraded to the Mc version, total time 18 months to get 9000 and a MC too, hope this helps you to get your much deserved increase, good luck to youSmiley LOLHeart



Message 9 of 27
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Established Member

Re: Target RED Card Credit Line Increase??

I  started off with a $300 limit back in 2012 when I started my credit rebuilding. Sadly i've only got one CLI of $400 a couple years ago and that was it. Like you I also keep my annual income updated but im guessing they are very frugal!!!

CAPONE QS || DISCOVER IT || AMEX BCP || CHASE FREEDOM UNL || US BANK CASH+ || AMAZON PRIME VISA || TARGET || WALMART || FIRESTONE || BEST BUY
Message 10 of 27
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