Re: Target Red Card auto cli

SUPERSQUID · ‎06-14-2022

Out of the clear blue sky an automatic cli from td target 700 - 1000.

I only update my income once a year when it goes up in dec/jan.

so far since i have the card - 300 - 500 - 700 - 1000

not bad for a stingy card that ive had 1 1/2 years

{ BK7 DC 12/2019 } target 2800/ kohls Visa 7000/ discover IT cb 5800 / 2nd discover IT cb 6000/mercury 4100 /legacy 3500 /HUE cc 3500/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 5300, Penfed PCR signature visa 10k/ penfed gold 5600 /NFCU signature visa cash rewards 21700/bread cashback amex 2850

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 55k
Total utilization above 50 pct.
Ficos ,most are slightly above 700, the 9's slightly higher than the 8's

TCL - about 110k
Retired since 2017

gdale6 · ‎06-14-2022

Grats on the auto luv!!

CreditMagic7 · ‎06-14-2022

Congrats on the move up with Target.

coreyb80 · ‎06-14-2022

Congrats on the increase!

PullingMeSoftly · ‎06-14-2022

Nice upward movement, gratz on the auto luv!

Great to see your positive DP, but I've given up trying to understand TD Bank's formula. Your post just reminded me to do an income update, as I'm still stuck at my original SL of 2500 and my account is now 2.5 years old. I've varied the spending amounts, etc, but no dice so far.

Chase Sapphire Reserve Visa Infinite │ $35,000

Chase Freedom Visa Sig │ $28,700 │ 5% rotator

Chase United Club Visa Infinite │ $35,000

Bank of America Alaska Airlines Visa Sig │ $30,000

US Bank Altitude Reserve Visa Infinite │ $20,000 │ 4.5x mobile wallet...our time was too short, RIP

US Bank Altitude Go Visa Sig │ $25,000 │ 4x dining │ no FTF

US Bank Cash+ Visa Sig │ $25,000 │ 5% selectable rotator

Elan Financial Services/US Bank Fidelity Rewards Visa Sig │ $25,000

Citi Costco Anywhere Visa Sig │ $26,500 │ 5% Costco gas │ 4% gas

Citi Custom Cash MC │ $27,800 │ 5% selectable rotator

Citi Custom Cash MC │ $15,000 │ 5% selectable rotator

BMO Cash Back MC │ $15,000 │ 5% streaming

Barclays Banana Republic Rewards World MC │ $20,000 │ 5x Banana-Gap-Old Navy-Athleta

Provident CU Cash Back Visa Sig │ $25,000

NFCU Flagship Rewards Visa Sig │ $80,000

PenFed Platinum Rewards Visa Sig │ $12,000 │ 5x gas

PenFed Power Cash Rewards Visa Sig │ $36,200

AOD FCU Visa Sig │ $25,000 │ 3% everything

Affinity FCU Cash Rewards Visa Sig │ $25,000 │ 5% Amazon

Nusenda CU Platinum Cash Rewards Visa │ $25,000 │ 5% rotator

Safe CU Cash Back Visa │ $25,000 │ 5% selectable rotator

Vantage West CU Connect Rewards Visa Sig │ $25,000 │ RIP 5x...to the sockdrawer

Langley FCU Signature Cash Back Visa │ $25,000 │ 5% selectable rotator

CreditMagic7 · ‎06-14-2022

@PullingMeSoftly wrote:
Nice upward movement, gratz on the auto luv!

Great to see your positive DP, but I've given up trying to understand TD Bank's formula. Your post just reminded me to do an income update, as I'm still stuck at my original SL of 2500 and my account is now 2.5 years old. I've varied the spending amounts, etc, but no dice so far.

I got tired of waiting on their silly turtle ways and closed mine. Just like 10 years ago.

Taken my spending to other retail businesses and doing way better than Target=TD Bank

Credit4Growth · ‎06-14-2022

🌟 Congrats on the auto luving!

NalekSok · ‎06-14-2022

Congratulations on your CLI! 🎉

SUPERSQUID · ‎06-14-2022

@PullingMeSoftly wrote:
Nice upward movement, gratz on the auto luv!

Great to see your positive DP, but I've given up trying to understand TD Bank's formula. Your post just reminded me to do an income update, as I'm still stuck at my original SL of 2500 and my account is now 2.5 years old. I've varied the spending amounts, etc, but no dice so far.

Its a great card but regular or any cli's are rare. I use it every month and almost never pif.

I have been lucky to get some cli's but 1k is still pretty low.

What makes it more surprising is that i burned td bank for 8k in 2019 during my bk7.

{ BK7 DC 12/2019 } target 2800/ kohls Visa 7000/ discover IT cb 5800 / 2nd discover IT cb 6000/mercury 4100 /legacy 3500 /HUE cc 3500/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 5300, Penfed PCR signature visa 10k/ penfed gold 5600 /NFCU signature visa cash rewards 21700/bread cashback amex 2850

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 55k
Total utilization above 50 pct.
Ficos ,most are slightly above 700, the 9's slightly higher than the 8's

TCL - about 110k
Retired since 2017

CreditAggie · ‎06-14-2022

Congratulations on your Target auto-CLI!

Current Cards (in order of approval):

Current FICO 8 | 9 (September 2025):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

Target Red Card auto cli

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Target Red Card auto cli