Target CLI

[dak17]

I haven't had any movement with this card since it upgraded last June @$2,500. With this statement cut, it increased to $3,500. I attribute the increases to leaving a small balance every couple of months. I don't know what else they factor in but my scores have actually dropped since the upgrade last June.

[gdale6]

Nice bump, enjoy it

[Anonymous]

That's awesome.

I started 3 months ago at $500, and left this last statement, a small $40 balance...once my new statement cut I saw a $500 increase.

I guess the data point here is - leave a small balance reporting. 

[RockinRay]

Congrats on your increase!

I never carry a balance on my Target MC, and I see a raise once or twice a year. 

Just PIF and do not give them any interest money. APR is way too high!

[MrsCHX]

Congrats op! Target does its own thing.

I was at 60-80% utilization, carrying balances for months , each time I was increased. $300 to $800 to $1300 to $2000.

[Anonymous]

Target is so strange. Back in Janruary my SL was 800 and I was carrying a balance in the 700 range and actually forgot to submit my payment by the due date and paid 10 days later. Was completely stressed out over the late payment as I am still in the process of rebuilding. Few days later my SL increased to 1300 and no hit for a late payment. There is kind of no rhyme or reason to how Target issues CLI.

[MrsCHX]

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@Anonymous wrote:

Target is so strange. Back in Janruary my SL was 800 and I was carrying a balance in the 700 range and actually forgot to submit my payment by the due date and paid 10 days later. Was completely stressed out over the late payment as I am still in the process of rebuilding. Few days later my SL increased to 1300 and no hit for a late payment. There is kind of no rhyme or reason to how Target issues CLI.

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Exactly!! I always shake my head a little when all the discussion of "leave a balance!" "pay in full!!" etc happens.

Target will do what Target will do.  I was at like $1270 on a $1300 limit and still got bumped to $2000. I got increases 4 months after getting my card and then 2 more 3 months apart. Now, it's going on month 5 with no increase. No rhyme or reason at all.