So this is husbands card. A few data points first....
He has had it since 2014 Came with a 500 limit that got dropped down to 400 after a late payment in 2015 (back when we managed our credit terribly and didn’t even realize lates got reported to the credit bureau )
Used the card about once a year to keep it open. Fats forward to last year I started to learn a whole lot about credit. And about cli with td Bank. Start using the card once a month for needed baby purchases about 6 months ago . Always let a statement cut with a balance , and always updated income 2 days before new statement would cut. First increase went from 400 to 600. 2 statement cuts later it got bumped to 900. One statement later (last month ) it got bumped to 1300.
2 days ago I go and update income as usual , gonna let the balance of 186 post(new car seat)
Log in today to check and the limit is now 5,000!!! I wish I knew how to post pictures from my phone cause I was shocked !!! I have been reading about some hefty cli with target lately and I guess that train is still going ! Need pack and play next so gonna pay off balance and do the same thing and see if it will
Grow more in the next month or 2!
I recently got my own target card with a 1300 limit, so gonna do the same thing with my card as well. Obviously can’t be an authorized user on my hubbys target card cause his comes with a late payment on it . His scores are 789 on his Equifax .
