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