Re: TARGET CLI AND AN UNEXPECTED SUPRISE - Page 2 - myFICO® Forums

Vegas4Play · ‎07-07-2016

Congrats to you !!! Way to work it through

Fico 8's TU 756/ EQ 754/ EX 743- 8/2020// AAoA 5.7 years // Lines August 2020 = 619k Personal - Business 61k // Inquiries 6 TU - 0 Exp - 0 Eq.

KSK1912 · ‎07-08-2016

Guess i got a little lucky, in such a short time to get the cli's and to get it upgraded to MC.

6/14/15: Equifax 576 Experian 542 Transunion 571
8/17/15: Equifax 626 Experian 619 Transunion 622
9/28/15: Equifax 655 Experian 636 Transunion 641
11/11/15: Equifax 698 Experian 687 Transunion 672
Short Term Goal Score: 720 Across the board

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Are you free Tuesday..?

lowkeyorca · ‎07-08-2016

@KSK1912 wrote:
Thanks everyone. A little over a year ago, i was denied this card, even after couple recons. From 500 fico scores and only $500 credit line to 700+ fico scores with $70K+ unsecured CL in less than a year. Could not have done it without the knowledge i got from this community. So thanks again...!

This just makes it even better!! Congrats!

EX08 659

EQ08 660

TU08 695

Starting: mid 300's

Goal: 700

Super_AL · ‎07-08-2016

@KSK1912 wrote:
I have had the Target Red card since october 2015. Recently, seeing people getting upgraded to MC version, i decided to send a SM to the customer service couple weeks ago and here is the response i got from them:

Hi XXXX,

Thanks for taking the time to write us!

At this time, we're not opening new Target MasterCard accounts or accepting requests to upgrade existing REDcard accounts to the Target MasterCard.

We hope that you'll still enjoy the benefits of your current REDcard and use it in your local Target store and online at Target.com to save 5% and get free shipping every day. Click 'REDcard Benefits Program Rules' above for details.

Thanks for being a valued and loyal guest since 2015!

Sincerely,
Target Card Services, servicer to TD Bank USA, N.A.

This message was dated 6/17/2016

Going thru a divorce, i go to my previous house to pick up the kids for the weekend and my soon to be ex hands me an envelope from target, I open it and the date on the letter is 6/24/16 and the letter says they are happy to inform me that my target red card is being upgraded to target MC as of 8/25/16

One sign of this coming, which i did not get it at the time, is that i was bumped from $1300 to $4000 limit last month at the statement cut off. My last cli before that was a month before, in may, from $800 to $1300.
So if you guys get an unexpected high cli on your target card, it is a good sign that you will be upgraded to the MC version. If you call or message CS and they tell you it is not being done at the moment, like they told me, don't believe it. They are still converting them to MC, just don't know based on what.
Target has given me 2 bday gifts this year, a nice cli on my bday, from $1300 to $4K, then upgrading me to the MC version

Congratulations On Your Approval....Thanks For Sharing..

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