Target Red Card -- STINGY with CLIs!

[Pigeyex]

Anyone have any luck getting a CLI with their Target card?  After getting an automatic CLI from $500 to $800 early on with them, I can't seem to get ANYTHING since.  They haven't raised it on their own (despite a perfect payment history with them, and my credit scores improving from the 500s to the 690s), and I've been denied twice when calling to ask them.

For a company with PR problems related to the big data breach last year, I don't understand whey they are so conservative in their CLs.

Anyone have any tips or suggestions?  I have a $200k+ income, great job, 10+ years AAofA, 25+ years oldest account, great debt-to-income and my scores are all in the 690s.

thanks,

Pigeye

[DrZoidberg]

The bigger questions should be with that income and credit profile, why are your scores only in the 690s?

[Pigeyex]

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@DrZoidberg wrote:

The bigger questions should be with that income and credit profile, why are your scores only in the 690s?

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Multiple baddies from 2007-2010 when my wife were going thru a near-divorce and near-foreclosure, mostly.  Reached out late last year and settled two Midland collection accounts and a credit card account, and the cc folks -- altho showing the correct $0.00 now and that we settled -- re-aged it to look like my 30-60-90-120s occurred in late 2013.  Those three accounts seem to be the ones that are holding me down, as everything else is paid-as-agree.

Only other thing really was low CLs, which I've been able to get increased here in the last month.  Hopefully those will help some, as my utilization was already 0-5%.

Pigeye

[B335is]

Target is not known for giving huge limits. My Fico scores are all in the high 700's and I have a $200 limit. I'd be thrilled to have a $500 limit.

[jamesdwi]

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@B335is wrote:
Target is not known for giving huge limits. My Fico scores are all in the high 700's and I have a $200 limit. I'd be thrilled to have a $500 limit.

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+1

reported income in the low 80's, no baddies on my report, no lates on any credit product ever,  only UTL of 20% and 7 INQ's over the last 2 years, makes my report short of pristine, high CL of 20k, many cards north of 5k CL's, yet my Target card lives at 200 same as the day I received it,  next lowest card is CapOne at 750. Only the 5% discount and no AF keeps the Target Card out of shredder.

[Creditaddict]

Target Credit is actually handled by TD now instead of Target National Bank (I think that was stupid for Target) but customer initiated CLI have not been available for YEARS and auto CLI have been sparse over the years to say the least and didn't really have rime or reason even when they did come.  Don't take it personal and hopefully they are "actually" working on updating the system to not only allow customer CLI requests but also roll out the Target MasterCard and allow upgrades... until then you just use what you have for the 5% or close it and reapply for a new card after a couple months with your new better credit and income... that seems to be the only people have gotten good opening CL's is closing out the old and apply for new with good credit.

[Pigeyex]

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@Creditaddict wrote:

Target Credit is actually handled by TD now instead of Target National Bank (I think that was stupid for Target) but customer initiated CLI have not been available for YEARS and auto CLI have been sparse over the years to say the least and didn't really have rime or reason even when they did come.  Don't take it personal and hopefully they are "actually" working on updating the system to not only allow customer CLI requests but also roll out the Target MasterCard and allow upgrades... until then you just use what you have for the 5% or close it and reapply for a new card after a couple months with your new better credit and income... that seems to be the only people have gotten good opening CL's is closing out the old and apply for new with good credit.

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But that would eliminate a 9 year old TL, and replace it with a brand new one, and lower my AAofA . . . wouldn't it?  Or do closed accounts still factor into AAofA?

[Creditaddict]

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@Pigeyex wrote:

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@Creditaddict wrote:

Target Credit is actually handled by TD now instead of Target National Bank (I think that was stupid for Target) but customer initiated CLI have not been available for YEARS and auto CLI have been sparse over the years to say the least and didn't really have rime or reason even when they did come.  Don't take it personal and hopefully they are "actually" working on updating the system to not only allow customer CLI requests but also roll out the Target MasterCard and allow upgrades... until then you just use what you have for the 5% or close it and reapply for a new card after a couple months with your new better credit and income... that seems to be the only people have gotten good opening CL's is closing out the old and apply for new with good credit.

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But that would eliminate a 9 year old TL, and replace it with a brand new one, and lower my AAofA . . . wouldn't it?  Or do closed accounts still factor into AAofA?

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closed accounts still factor but yes a new account would be a new TL and lower you.

I have my original target card opened in 1999 still and with the same $300 it started with!!

I don't think they allow you more than 1 card anymore, they figured out that system flaw a couple years back and blocked it

[tempusfugit123]

I've had the card for 7 years only had one increase

[BluePoodle]

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@Pigeyex wrote:

Anyone have any luck getting a CLI with their Target card?  After getting an automatic CLI from $500 to $800 early on with them, I can't seem to get ANYTHING since.  They haven't raised it on their own (despite a perfect payment history with them, and my credit scores improving from the 500s to the 690s), and I've been denied twice when calling to ask them.

For a company with PR problems related to the big data breach last year, I don't understand whey they are so conservative in their CLs.

Anyone have any tips or suggestions?  I have a $200k+ income, great job, 10+ years AAofA, 25+ years oldest account, great debt-to-income and my scores are all in the 690s.

thanks,

Pigeye

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I applied sunday night for my first every Target card and was approved for $3k. I was a bit surprised. I'll never use that much but it will be nice to help my util.