Target RED Card Credit Line Increase??

[CivalV]

Funny because I am on the same train! Lol every 3 months I get a $300 increase! We shall see if that train continues. So far I am at $900 since opening in mid December

[Anonymous]

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@CivalV wrote:
Funny because I am on the same train! Lol every 3 months I get a $300 increase! We shall see if that train continues. So far I am at $900 since opening in mid December

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That's great! No luck on my end with that but hopefully that will kick in before my two year mark in March 20'.

[Anonymous]

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@Keatonsdaddy wrote:

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!!!

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Yes!  I either see increases with others as far as every month and then the upgrade. Or like me, stuck with the same limit and only one increase since opening the card. I hope the best for your increase!!

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[Anonymous]

Cool!! I noticed on my credit report that Target/TD pulled a soft inquiry on my credit. 9/15/2019 to be exact. Does that mean I will be recieving an increase soon? I havent seen that since my first increase. Do you think it will show the increase on my next statement as well?

Thanks for your help!!

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@Anonymous wrote:

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@Keatonsdaddy wrote:

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!!!

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Yes!  I either see increases with others as far as every month and then the upgrade. Or like me, stuck with the same limit and only one increase since opening the card. I hope the best for your increase!!

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[Physh1]

It's a struggle with the Red Card until it's upgraded to the MC. I had the Red Card for a few years & it got to $1500 or something similar. Once it got converted to a MC I've been getting auto cli's every 6 months for 2-3k each. I'm currently at $11,000.

[Anonymous]

I noticed on my credit report that Target/TD pulled a soft inquiry on my credit. 9/15/2019 to be exact. Does that mean I will be recieving an increase soon?

I havent seen that since my first increase and I’ve had the card for almost two years. I’ve only received one credit increase since opening the card.

Do you think it will show the increase on my next statement as well?

Thanks!!

[Anonymous]

Thank you! That was really helpful! Hopefully one day I’ll get there!

[Anonymous]

Mine increases very regularly. I think I started out at like $300 2'ish years ago and it's now 9k! No significant change to income, and while I use it regularly, I really use it at Target for $200'ish a month and maybe a few other random charges each month elsewhere. I pay in full every month.

[Anonymous]

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@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.

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Hello.  I read your reply on this topic and wondered if it's better to ask Target for the CLI or just wait on them to do it automatically.  I got my Target $300 SL in May, then in August they increased CL to $800 automatically.  Would love to have a higher CL for Christmas shopping.  I didn't see a LUV button, so would you call and ask for CLI or wait? 

[Anonymous]

There's no procedure in place to request one - you just have to wait until they give it. Update your income every month in the profile, even if it doesn't change. Sometimes that may help.