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UNEXPECTED TARGET CLI - SEEMS LIKE A PATTERN NOW

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KSK1912
Valued Contributor

Re: UNEXPECTED TARGET CLI - SEEMS LIKE A PATTERN NOW


@RM21 wrote:
Congrats!!

Thanks RM21


6/14/15: Equifax 576 Experian 542 Transunion 571
8/17/15: Equifax 626 Experian 619 Transunion 622
9/28/15: Equifax 655 Experian 636 Transunion 641
11/11/15: Equifax 698 Experian 687 Transunion 672
Short Term Goal Score: 720 Across the board


Take the myFICO Fitness Challenge


Are you free Tuesday..?
Message 11 of 20
KSK1912
Valued Contributor

Re: UNEXPECTED TARGET CLI - SEEMS LIKE A PATTERN NOW


@Anonymous wrote:

Congrats on the CLI


Thanks Mia


6/14/15: Equifax 576 Experian 542 Transunion 571
8/17/15: Equifax 626 Experian 619 Transunion 622
9/28/15: Equifax 655 Experian 636 Transunion 641
11/11/15: Equifax 698 Experian 687 Transunion 672
Short Term Goal Score: 720 Across the board


Take the myFICO Fitness Challenge


Are you free Tuesday..?
Message 12 of 20
Anonymous
Not applicable

Re: UNEXPECTED TARGET CLI - SEEMS LIKE A PATTERN NOW


@KSK1912 wrote:

@tamaralig wrote:

Congrats...Are you letting the balance post and report or PIF...Got one increase on DH card but that was letting balance post highest bal has only been $100 reported then got Auto CLI from $300 to $800 and it's been sitting ...Have used it sparingly after that every few months but pIF


I normally used to pay it off because the charges would never be more than $100 / month if that, but right now i am letting some balance report for the past couple months and i feel like you have a better chance of  getting a cli if you let a balance report and then pay it. And in that case, i would normally pay it off, but lately i have been paying more than minimum, less than full balance and i am sure it has something to do with it too. The first thing i had done to get a cli from them was to call and complain when my payment was not posted to my available balance for over 3 weeks, back in december. So i called them and they updated my income and info, and the first cli came a month after that, which was also 3 full statement. I think Target is getting a little better with their cli's and seems like they are setting a pattern for it. 2 cli's every 3 months don't seem like a coinsidence.


I have my DH update that income weekly it seems Smiley Happy but I think the difference may be PIF before the statement is cutting. I just can't stand to see that tiny balance post on the CRAs lol since I'm AU on his card

Message 13 of 20
Anonymous
Not applicable

Re: UNEXPECTED TARGET CLI - SEEMS LIKE A PATTERN NOW


@KSK1912 wrote:

 

Got the card end of 10/2015 with $300 SL. First full statement cut off 11/23/15,  third statement after that, 02/23/16 cli $300 to $800, and 3 statements after that 5/23/16 $800 to $1300 i did put some usage to it, but nnot heavily. I tried putting more transactions, such as buying something small, paying for it, then walk around the store, and buy something else, and then head to the starbucks inside target and get a coffee. It is nice to see a cli on this card knowing people here are stuck at their SL's for 10/15 years. Let's see if another cli comes my way 3 months later in August. Then i can definitely say it is a pattern, at every 3 months.

 

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Congrats.

 

I got a CLI last month.  Pleasantly surprised, especially after I heard how difficult it was to get anything from Target.

 

 

Message 14 of 20
Anonymous
Not applicable

Re: UNEXPECTED TARGET CLI - SEEMS LIKE A PATTERN NOW

Nice increases , hope when I get in the door I get that much love
Message 15 of 20
Creditbuilder36
Frequent Contributor

Re: UNEXPECTED TARGET CLI - SEEMS LIKE A PATTERN NOW

 
Message 16 of 20
JayTee1
Frequent Contributor

Re: UNEXPECTED TARGET CLI - SEEMS LIKE A PATTERN NOW


@KSK1912 wrote:

 

Got the card end of 10/2015 with $300 SL. First full statement cut off 11/23/15,  third statement after that, 02/23/16 cli $300 to $800, and 3 statements after that 5/23/16 $800 to $1300 i did put some usage to it, but nnot heavily. I tried putting more transactions, such as buying something small, paying for it, then walk around the store, and buy something else, and then head to the starbucks inside target and get a coffee. It is nice to see a cli on this card knowing people here are stuck at their SL's for 10/15 years. Let's see if another cli comes my way 3 months later in August. Then i can definitely say it is a pattern, at every 3 months.

 

Capture2.GIFCapture1.GIF


This is exactly the pattern I experienced.  Started at $300, a couple months later $800, a couple months after that, $1300, where it's been for at least 6-9 months (can't remember when all this happened honestly).

March 2014: Abysmal, low 500s


April 2015: TU 607 | EQ 599 | EX 608
March 2019: TU 717 | EQ 727 | EX 727
Message 17 of 20
LadyVee
Regular Contributor

Re: UNEXPECTED TARGET CLI - SEEMS LIKE A PATTERN NOW

Just got a unexpected CLI on my Target card as well from $300 to $600 but thinking about closing this card since I haven't used it at all since the very first purchase during approval.

Starting Score: 485 (CK TU)
Current Score: 698 (TU FICO); 685 (EX FICO) 687 (EQ FICO)
Goal Scores: 750 (TU FICO); 750 (EX FICO); 750 (EQ FICO)

Current Cards:
AMEX Gold: NPSL, AMEX BCE: 1000, BARCLAY APPLE: 2000, CITI DC: 2250, CHASE CSP: 7400, CAP1 SAVOR: 12000, CAP1 VENTURE: 10000, CAP1 QS: 6500, CAP1 QS1: 3300,
DISC IT: 1400, MERRICK: 2200, PAYPAL CREDIT: 3000,
US BANK CASH+: 5000, WALMART: 5000, TARGET MC: 4000, ANN TAYLOR: 6000, VS: 6000, EXPRESS: 5000, NY&CO: 4000, SMILE GEN: 1500
Message 18 of 20
KSK1912
Valued Contributor

Re: UNEXPECTED TARGET CLI - SEEMS LIKE A PATTERN NOW

2 statements and i get another one Smiley Happy

Opened account in 10/2015 with only $300 SL

2/23/16 CLI to $800 Statement Cut

5/23/16 CLI to $1300 Statement cut

and yesterday another statement cut off, and seen a nice cli...!

 

$1300 to $4000


6/14/15: Equifax 576 Experian 542 Transunion 571
8/17/15: Equifax 626 Experian 619 Transunion 622
9/28/15: Equifax 655 Experian 636 Transunion 641
11/11/15: Equifax 698 Experian 687 Transunion 672
Short Term Goal Score: 720 Across the board


Take the myFICO Fitness Challenge


Are you free Tuesday..?
Message 19 of 20
Creditbuilder36
Frequent Contributor

Re: UNEXPECTED TARGET CLI - SEEMS LIKE A PATTERN NOW

Which means I should be expecting another increase soon ~~~> it's been about 3 months since I was bumped to 500 Smiley Wink I so love target too 😌
Message 20 of 20
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