Its a Target Halloween Miracle!

[belle6m2k]

I have had a Target card since 2008 when I was rebuilding. They were the first company to give me a card coming out of credit counseling with a pretty crappy credit score. In turn I had only a $200 limit. I didn't use it much just a few times for small amounts which I consquently paid off. Over the last eight years my credit score has grown from the mid 500'as to a 775, 779, and 749. Over the past year I have tried to get a CLI with absolutely no luck. 2 weeks ago I was in charge of getting a shower gift for a co-worker and she was registered at Target. My other co-workers gave me the money and I put about 150.00 on my card. I subsequently forgot to pay it off before the balance posted. Yesterday I saw I had an alert from this site that my credit report had changed. Target had increased my limit from $200-$500. Its a Halloween Miracle. Im guessing I need to let a balance post before paying it off and do it more frequently, maybe that is the secret. Hopefully I am on my way to higher CLI's!

[Anonymous]

Congrats on your increase.......after 8 years, it's well deserved! Let's hope the momentum keeps growing ☺️

[Anonymous]

That's definitely the issue. You have to use the card. My scores are well below yours. I started with a $500 limit and in less than a year it's up to $1700, all through auto increases.

[iheartwings]

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@belle6m2k wrote:

I have had a Target card since 2008 when I was rebuilding. They were the first company to give me a card coming out of credit counseling with a pretty crappy credit score. In turn I had only a $200 limit. I didn't use it much just a few times for small amounts which I consquently paid off. Over the last eight years my credit score has grown from the mid 500'as to a 775, 779, and 749. Over the past year I have tried to get a CLI with absolutely no luck. 2 weeks ago I was in charge of getting a shower gift for a co-worker and she was registered at Target. My other co-workers gave me the money and I put about 150.00 on my card. I subsequently forgot to pay it off before the balance posted. Yesterday I saw I had an alert from this site that my credit report had changed. Target had increased my limit from $200-$500. Its a Halloween Miracle. Im guessing I need to let a balance post before paying it off and do it more frequently, maybe that is the secret. Hopefully I am on my way to higher CLI's!

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It is a Halloween Miracle! Congratulations!!!!

All Target sent me today was a letter to tell me that late fees are going up starting in December! 

[AverageJoesCredit]

Trick to Iheartwings Treat to Belle6m2k

[manyquestions]

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@belle6m2k wrote:

Im guessing I need to let a balance post before paying it off and do it more frequently, maybe that is the secret. 

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That is the secret with Target.  Congrats.

[Anonymous]

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@manyquestions wrote:

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@belle6m2k wrote:

Im guessing I need to let a balance post before paying it off and do it more frequently, maybe that is the secret. 

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That is the secret with Target.  Congrats.

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They would HATE me 😀

[Anonymous]

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@manyquestions wrote:

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@belle6m2k wrote:

Im guessing I need to let a balance post before paying it off and do it more frequently, maybe that is the secret. 

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That is the secret with Target.  Congrats.

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Yes thats the secret, only time I got a auto cli is when I let a balance report.

[pizza1]

LOL on the Halloween miracle! hahaha

Congrats to you on the CLI