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Target CLI

n777ua
Established Contributor

Re: Target CLI


@Creditaddict wrote:

 

I opened my target card in 1999, it was the 2nd credit card I applied for in the week I turned 18.  Started at $200 and went to $300 sometime in the first year and to this day thats where it sits $300.  I went through Ch 7 in 2001 and ch 13 in 2007, I never had a balance on the card at those points so it was not included in either BK and 

 

You filed BK twice w/in 6 years? I thought once you filed BK you couldn't do so again for at least 10 years ? Just curious . . . 

About $215,000 total credit among 11 cards
Message 11 of 19
Creditaddict
Legendary Contributor

Re: Target CLI

You can only file chapter 7 every 7 years and it stays on record for 10.

you can file chapter 13 every 5 years and it sometimes comes off at 7 or 10 years... think it's 10 now.

 

The only reason the 13 was filed is because of multiple realestate dealings through an old company I had worked with and they of course went bankrupt so it forced me to file to protect my other assets.

 

Message 12 of 19
kroberts67
Established Contributor

Re: Target CLI

I haven't had my card very long (since Oct 2012) but i called just to ask how the CLI's work.  The rep said that they don't take CLI requests by phone because the accounts are automatically reviewed every 3 months for CLI's.  He said that it is more likely to have a CLI when the card is used frequently.  I clarified with him - not a balance carried, but a frequently used card.  Hmm, I'm sure I need something from Target tonight...  Smiley Wink

FICO: EQ 814 | TU 847 | EX ? (Started in the low 500's... you can do it!)

Amex BCE $25000, Amex AP $20000, SFFCU Visa $15000 + LOC $5000, USAA Amex $6000, USAA MC $7000, Cap1 $9500, Freedom $12000, Slate $500, Barclays "RIP" SM $11500, USBank Cash+ $7500, Citi Diamond $11200, Citi Double Cash $12000, Care Credit $13500k.
My Credit Repair Journey
Message 13 of 19
Menecrates
Valued Member

Re: Target CLI

Had one for several years.  $500 limit, always paid on time and frequetly PIF.  Nothing.. never.. ever.. no CLI...

 

Would love to find the combination to getting a CLI with them.


Starting Score: EQ: 468 - 2/2013
Current Score: EQ: 620, EX: 611, TU: 599 - 7/2013
Goal Score: 750's

Message 14 of 19
Wolf3
Senior Contributor

Re: Target CLI


@ptr2593 wrote:

Do people really spend more than $200 on a single purchase at Target?

 

 


Sure, but that is not the point.   If you shop reguarly and usually PIF by due date, you need  a minimum CL of 2 X monthly spending to not go over your CL.

Message 15 of 19
scarzy
Regular Contributor

Re: Target CLI

I recently got this card. Might have to find an Executive Office for them! lol

starting EQ FICO : 526 current EQ FICO : 640 starting TU FICO: 538 current TU FICO : 656

My wallet: Capital One cash rewards $1,300- ~ NFCU signature cash rewards $5,000- ~ NFCU nRewards $5,000- ~ NFCU LOC $1,000- ~ Target $200- ~ Kohl's $300- ~ Walmart $800- ~ Amazon $900- ~ Updated 6/2013

Discharged Ch7 Nov.16, 2012

Message 16 of 19
youngandcreditwrthy
Senior Contributor

Re: Target CLI

I used to regular charge $100-200+ a month out of a $300 cl and pif-never got a cli!!!!
Interest was like 25.24%.
Sorry, but that screws up my utilization. I closed mine within a year due to no clis; I don't even care about that 5% discount. I'll just shop at Whole Foods, Kroger, or if I get desperate: Walmart LOL
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 17 of 19
sarkell
Frequent Contributor

Re: Target CLI

I just think target isn't worth had them 200 forever I was paying it off weekly then the debit card came out I use that now. All the benefits.
Cards: CSP $5k, Capital One Cash Rewards VS $3100, Discover it $3k Capital One MasterCard $600, Orchard Bank $3k, Barclays Rewards MC $1250 Gapcard $900, BR $300, Neiman Marcus $1k, Macys $1200 Walmart $500
In the garden until I can get a BCP

Starting Score: 534
Current Score: 682 EQ SW 660 TU 636 EX 3/26/13
Goal Score: 720


Take the myFICO Fitness Challenge
Message 18 of 19
youngandcreditwrthy
Senior Contributor

Re: Target CLI

I know they sp to get you the Target Debit card... I asked an employee at Target, and she assured me they didn't check your credit...lol they never know what they are talking about. Heh.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 19 of 19
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