Target CLI

[coreyb80]

Congrats on the nice bump!

[Sbrav77]

Just got the letter in the mail today.  My redcard is being upgraded to the Target Mastercard.

[TheRedHat]

Congrats on your CLI and Target MasterCard approval!!

[NoMoreE46]

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@disdreamin wrote:

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@NoMoreE46 wrote:

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Bummer and thanks for letting the community know @disdreamin.  How long ago was the last CLI that put you over $4000?

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It's been a while, like late 2019 I think? I don't update income or anything with them any more, the Redcard works just fine for what I need it to do. It's just funny how for some there is a magical threshold but for others there isn't.

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Yup, 2019 seems right.  Here is my history:

Apr 2014 $500 SL   

Oct 2014  $1000
Aug 2016 $1400  

Jun 2017 $4000 & MC conversion 

Dec 2017 $5000 

Jun 2018 $7000

Dec 2018 $9000 

Jun 2019 $11000 

Dec 2019 $13000

[mfinsmi1]

@NoMoreE46 - did you put a lot of spend on the card ? update your income monthly ? trying to figure out everyones secret to getting this CLI since target doesnt like me clearly

[nytokyobred79]

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@Sbrav77 wrote:

Woke up early this morning and decided to jump on Credit Karma for no apparent reason , lol. I was shocked to see an increase on my Target Redcard limit showing. Oddly, I had some things going on in my personal life and forgot about the payment due date.  I made it 2 days late, oops. My limit went from $2900.00 up to $5,000. An increase of $2100.00. I'm assuming this is a pretty decent CLI for Target.  So, does anyone think this will trigger that magical change from Redcard to the Target Mastercard, or do they even offer that anymore?

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Congrats on the CLI. Hopefully, you get the MC product conversion soon. 

[NoMoreE46]

IIRC, it would be under $600/month. Often, we would pay the Target bill immediately. As in leave the check-out area and head to the CS area to pay with a check. When it was converted, I used it for fuel purchases too. TD is hard to figure out. I consider myself lucky on this card.

[NoMoreE46]

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@Sbrav77 wrote:

Just got the letter in the mail today.  My redcard is being upgraded to the Target Mastercard.

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[SunriseEarth]

Congrats on the CLI and the MC upgrade!   IIRC, my CL went from $1900 to $5k with the MC upgrade.  For a while, I was getting very consistent CLIs every 6 months.  

I haven't used this card much outside of Target as the rewards aren't that competitive.  However, the Target MC has no FTFs, so it's not a horrible option for international purchases (that was my last Target MC use outside store).   

[coreyb80]

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@NoMoreE46 wrote:
IIRC, it would be under $600/month. Often, we would pay the Target bill immediately. As in leave the check-out area and head to the CS area to pay with a check. When it was converted, I used it for fuel purchases too. TD is hard to figure out. I consider myself lucky on this card.

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Truer words have never been spoken about TD.  I've had my Target card since 18.  I started with a limit of $300.  Got as high as $2200 in 2020 and then 2021 I caught a CLD down to $2000.  I've been stuck there ever since.