Target RED Card CLI

[Brian_Earl_Spilner]

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@AverageJoesCredit wrote:
In one fell swoop you eclipsed thousands of targeteers who suffered years of the $300 epidemic

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I'm still suffering 3 years later. About to go stand on a street corner with a sign that says "target don't give me no luv". Actually...that might make a good country song.

[Anonymous]

Good for you.  Target is a different beast.  They seem to serve a niche market.

Tarzhai customer's motto:  "I would not be caught dead shopping at WalMart".  I've got the nicest trailer in the trailer park.  The vibe inside the store reminds me of several retail businesses who no longer exist, including Brendles, Service Merchandise, and now Toys-R-Us.

You don't come across families of 5 walking side by side looking in the air like zombies.  As a matter of fact, you feel alone in every one I have been in.

[Gonzozap]

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@Anonymous wrote:

Good for you.  Target is a different beast.  They seem to serve a niche market.

Tarzhai customer's motto:  "I would not be caught dead shopping at WalMart".  I've got the nicest trailer in the trailer park.  The vibe inside the store reminds me of several retail businesses who no longer exist, including Brendles, Service Merchandise, and now Toys-R-Us.

You don't come across families of 5 walking side by side looking in the air like zombies.  As a matter of fact, you feel alone in every one I have been in.

 Well, rumor has it that Amazon is looking into buying Target.

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[Anonymous]

Just a matter of activity they see on the card, i think. 

For almost two years I had no CLI's, but during the summer when I exclusively shopped there given the proximity of the store. I climbed into the 1k+ range after about 2 months,

[Gonzozap]

Yep, using the card could be a factor too.  Before buying the TV, I used the card a lot to get my 5% discount.  Wasn't carrying a balance, but lots of usage.

[Anonymous]

Mine started at $300 8 years ago and I'm just now getting to a $1500.00 CL. 

They are very conservative!

Luckily I only use this card for purchases at Target because of the 5%.

[Anonymous]

I got mine around August of ‘17 with a $300 limit and last month I got an auto CLI to $800. Honestly I was shocked considering how conservative they are, I thought I wouldn’t see a CLI in years if not never.

[risingup2day]

I got my Target card in 2015. Like most here, $300 was my spending limit. About 9 months, I got bumped to 700 very little use. Must have been @ the one year mark, I received three letters from Target, all in the same day. First one was my statement. Second, letter was notifying me that my limit was bumped to $2k. The third and last was stating, it was going to upgrade my Target card to the MasterCard version.

The upgrade took place in 8/2016. About a year later, I was bumped to $3k. Just a few months ago, I went on CK to do my monthly check and noticed a CL for Target to $4K. Which is nice, but will never let a balance show on this card just because of the ridiculous APR. It’s home is in my safe and every few weeks it sees daylight for a bit, but promptly PIF.

I would PIF, then let a small balance report. Naturally, people mileage will vary.

Good luck