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Target CLI

dak17
New Contributor

Target CLI

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.
Message 1 of 7
6 REPLIES 6
gdale6
Moderator

Re: Target CLI

Nice bump, enjoy it Smiley Happy
Message 2 of 7
RVM
Established Member

Re: Target CLI

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. 

 

Message 3 of 7
RockinRay
Valued Contributor

Re: Target CLI

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!

Ray

** Every Card has a Job, and Every Card does its Job **
Message 4 of 7
MrsCHX
Valued Contributor

Re: Target CLI

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.
11/2017: EX 704 | TU 720 | EQ 672 -- Starting (2/2016): 630 | 620 | 580 -- INQs: 17 | 26 | 28 (last 6 months: 5 | 2 | 6)
AMEX Delta: $10k, Marvel: $8k, Discover IT: $7.2k, AMEX BCE: $6k, Target MC: $5k, PayPal 2%: $8k, CO QS: $2.6k, Merrick: $1.6k, Barclay's NFL Rewards: $1k, CO BuyPower: $500. And a mix of well-loved store cards.
Message 5 of 7
segrobja
New Contributor

Re: Target CLI

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.

FICO 8 Scores - 10/19: EQ - 688, TU - 669, EX - 686

Started Rebuild 9/2015 @: EQ - 367, TU - 372, EX - 388

Total Lines of Credit - $108,500
Message 6 of 7
MrsCHX
Valued Contributor

Re: Target CLI


@segrobja 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.


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. Smiley LOL 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. 

11/2017: EX 704 | TU 720 | EQ 672 -- Starting (2/2016): 630 | 620 | 580 -- INQs: 17 | 26 | 28 (last 6 months: 5 | 2 | 6)
AMEX Delta: $10k, Marvel: $8k, Discover IT: $7.2k, AMEX BCE: $6k, Target MC: $5k, PayPal 2%: $8k, CO QS: $2.6k, Merrick: $1.6k, Barclay's NFL Rewards: $1k, CO BuyPower: $500. And a mix of well-loved store cards.
Message 7 of 7
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