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Target credit card no limit increase

razzy116
Established Contributor

Target credit card no limit increase

I"ve had the Target credit card since May 2020 with a 500 credit limit, no credit limit increase, what do i have to do to get a credit limit increase?

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Message 1 of 19
18 REPLIES 18
CreditMagic7
Super Contributor

Re: Target credit card no limit increase


@razzy116 wrote:

I"ve had the Target credit card since May 2020 with a 500 credit limit, no credit limit increase, what do i have to do to get a credit limit increase?


They lost a lot of what would be generous consistent shopping with that retailer. Yeah 5% off is a very appealing attraction but my interest in not seeing even a crumb from them doesnt exactly encourage a thought of making usage of it EITHER. So be it



Message 2 of 19
mark3038
Established Contributor

Re: Target credit card no limit increase


@razzy116 wrote:

I"ve had the Target credit card since May 2020 with a 500 credit limit, no credit limit increase, what do i have to do to get a credit limit increase?


It is not just you. My last CLI on my Target Card was about 6 years ago. Just before it went to TD Bank. Once TD Bank took it over the increases stopped. There is no way to request a CLI on this card. They will give it when they are good and readySmiley Mad

Thanks

Mark

Please note; My postings are my opinion only. You can accept them or reject them. Thanks, Mark
Message 3 of 19
Trini88
Established Contributor

Re: Target credit card no limit increase

The fact that they won't even allow you to request an increase is what irritates me. 😒



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Message 4 of 19
AMJ50
New Contributor

Re: Target credit card no limit increase

At least your limit is $500, mine is stuck at $300. I gave the card to my niece, who is 17 to use. She loves shopping at Target. Me, not so much

Message 5 of 19
coldfusion
Community Leader
Super Contributor

Re: Target credit card no limit increase



None of the responses so far actually answered your question, so here goes:

 

Use the card every month, let the resulting balance report, and pay the statement balance in full.  Do not carry balances.

 

Also every month log in online and update your income information, even if it hasn't changed.

 

No guarantees of success.

(5/2022)
FICO 8 (EX) 827 (TU) 834 (EQ) 827
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Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 6 of 19
Anonymous514
Established Contributor

Re: Target credit card no limit increase

But wouldn't that mess up azeo for those practicing azeo methods?



Message 7 of 19
BenTramer1978
Contributor

Re: Target credit card no limit increase


@Anonymous514 wrote:

But wouldn't that mess up azeo for those practicing azeo methods?


Probably but azeo doesn't seem to work for me. I see no change in score between using azeo and usin 1-2% percent of my credit over multiple cards.

Message 8 of 19
bigseegar
Frequent Contributor

Re: Target credit card no limit increase

Probably never lol. I've had a Target Red Card for 3 years that's still at the $300 SL and I have a nearly 800 Credit score and strong profile now. I've tried using it and PIF several times and I even carried a small balance for a couple months to see if that would trigger one. Yet I've never received a CLI of any kind and at this point don't expect to ever see one lol.

Message 9 of 19
coldfusion
Community Leader
Super Contributor

Re: Target credit card no limit increase


@Anonymous514 wrote:

But wouldn't that mess up azeo for those practicing azeo methods?


Yes, because AZEO calls for a bank card as the one that is reporting, not a store card.  

(5/2022)
FICO 8 (EX) 827 (TU) 834 (EQ) 827
FICO 9 (EX) 843 (TU) 845 (EQ) 846

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 10 of 19
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