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Its a Target Halloween Miracle!

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Its a Target Halloween Miracle!

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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Moderator

Re: Its a Target Halloween Miracle!

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

Got some pruning to do... No more new cards!
Message 2 of 9
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Established Member

Re: Its a Target Halloween Miracle!

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.
Current Scores: TU: 632 EX: 656

Goal Score: 700 across the board
Message 3 of 9
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Valued Contributor

Re: Its a Target Halloween Miracle!


@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!


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! Smiley LOL

Message 4 of 9
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Community Leader
Mega Contributor

Re: Its a Target Halloween Miracle!

Trick to Iheartwings Smiley Wink Treat to Belle6m2k Smiley Happy
Message 5 of 9
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Established Contributor

Re: Its a Target Halloween Miracle!


@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. 


That is the secret with Target.  Congrats.

Message 6 of 9
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Moderator

Re: Its a Target Halloween Miracle!


@manyquestions wrote:

@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. 


That is the secret with Target.  Congrats.


They would HATE me 😀

Got some pruning to do... No more new cards!
Message 7 of 9
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Frequent Contributor

Re: Its a Target Halloween Miracle!


@manyquestions wrote:

@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. 


That is the secret with Target.  Congrats.


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

Message 8 of 9
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Community Leader
Super Contributor

Re: Its a Target Halloween Miracle!

LOL on the Halloween miracle! hahaha

Congrats to you on the CLI

My rebuild worked for me, but won't necessarily work for you!
BK7 D/C- 08/2013
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