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Target (small) CLI! :)

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49erFaithful85
Valued Member
‎02-08-2023 08:58 AM
‎02-08-2023 08:58 AM

Target (small) CLI! :)

Good morning!

 

Noticed the credit line went from $750 to $1100. (idk why I thought it was a $400 increase initially, probably needed coffee) New to credit management so I havent been, well managing things. Five cards total but all consistently report a balance. Now that I'm a little more savvy will see how scores look in April when three out of the five are reporting $0. Love this card bc Target is my go to for nearly everything! Hopefully they show more love in the future. Smiley Very Happy

 

Data is a bit skimpy, again I haven't been paying much attention but thats why Im here. Ready to start! 

AAoA: 4 years, 3 mo

Scores: roughly 680 ish per CK (I know, FAKO scores. Will pull all reports here in April)

Utilization: 62%

Loans: $15,648 deferred student loans 

Derogatory Items: 1 collection for $3300 due to fall off in 2024, 11 late payments from 2018 on a car loan 100% paid off (hit a rough patch) 

Target.JPG

SavorOne $700 | TD Double Up $800 | Target $1100 | Wayfair $4300 | Discover (AU) $12,000

EX - 638 | TU - 670 | EQ 720
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10 REPLIES 10
PNWRambler
Frequent Contributor
‎02-08-2023 09:48 AM
‎02-08-2023 09:48 AM

Re: Target (small) CLI! :)

Any CLI is a good CLI!  It's a decent start, it should continue to go up from there.

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cashorcharge
Community Leader<br> Super Contributor</br>
Community Leader
Super Contributor
‎02-08-2023 09:59 AM
‎02-08-2023 09:59 AM

Re: Target (small) CLI! :)

WooHoo!! Congratulations on your Target Approval!!👏🏼🍾🥂

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mfinsmi1
Established Contributor
‎02-08-2023 12:28 PM
‎02-08-2023 12:28 PM

Re: Target (small) CLI! :)

Congrats on the CLI!  i havent been able to squeeze any cli from them its so rediculous. Worst decision of my life to get this card. 

Personal Cards (Over $100k):

Business Cards:

Rebuilding Starting Scores - December 2021

FICO SCORE 8 - Current 10/1/25

Stats: : 1/6; 1/12; 4/24 --- AAoA 5 YRS --- INQ: EX-3/TU-4/EQ-0
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JoeRockhead
Community Leader<br> Super Contributor</br>
Community Leader
Super Contributor
‎02-08-2023 12:32 PM
‎02-08-2023 12:32 PM

Re: Target (small) CLI! :)

A CLI is a CLI, congratulations on yours!

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TheRedHat
Established Contributor
‎02-08-2023 12:48 PM
‎02-08-2023 12:48 PM

Re: Target (small) CLI! :)

Congrats on your CLI!

Last update: 6/14/2025

Goal Cards
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CreditAggie
Community Leader<br> Super Contributor</br>
Community Leader
Super Contributor
‎02-08-2023 02:00 PM
‎02-08-2023 02:00 PM

Re: Target (small) CLI! :)

Congratulations on your Target CLI!

Current Cards (in order of approval):


         
Current FICO 8 | 9 (October 2025):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

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NoMoreDebt
Senior Contributor
‎02-08-2023 03:03 PM
‎02-08-2023 03:03 PM

Re: Target (small) CLI! :)

congrats on the cli

AMEX CHARLES SCHWAB PLATINUM NPSL / AMEX GREEN NPSL/ AMEX BLUE BUSINESS PLUS $20000 CL/ FIDELITY REWARDS VISA $23,500 SL

SOCKDRAWER/ NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $40,000/ WELLS FARGO AUTOGRAPH $8200/APPLE CARD $6500/DISCOVER IT $3000 SL/CITI COSTCO ANYWHERE VISA $6000 SL
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nytokyobred79
Valued Contributor
‎02-08-2023 04:10 PM
‎02-08-2023 04:10 PM

Re: Target (small) CLI! :)

Congrats on your Target CLI. Hopefully, with the continuous spend and keeping utilization low on other cards, they'll start opening up the floodgates. 

Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus
Total Revolving CL- $218,900 | Order of Opened Cards
Delta SkyMiles Blue- SL-$1K | CL- $22.6K
Delta SkyMiles Reserve- SL- $10K | CL- $20K
Chase Sapphire Reserve- SL $20 | CL- $12K
Cap 1 Venture Rewards- SL $10K | CL $ 21.5K
Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around )
Chase Freedom Unlimited: SL $23.4K| CL $72K
BOA Unlimited Cash SL: $20.8K| CL $15K moved some limits around)
BOA Travel Rewards SL: $20.8K | CL $5.8K(moved some limits around)
Amex Blue Cash Preferred SL: $10K
Amex Green Card: NPSL / POT: 17K
BOA BankAmericard: SL: $5K | CL: $30K
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KingRue8500
Senior Contributor
‎02-08-2023 04:49 PM
‎02-08-2023 04:49 PM

Re: Target (small) CLI! :)

Congrats on your Target RedCard CLI




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