I've had my Target card for 15 years. Today it sits at $200 CL, with squeeky clean files (my next lowest limit is J.Crew store $2850). I've tried carrying various balances, paying multiple times, throwing it behind the sock drawer - everything short of sending smoke signals to TD Bank, etc...they refuse to raise it. One DVD would eat up the utilization on this card, so the position that "I don't spend more than $200 at Target" is a bit pointless if you're going to actually use this card the way a credit card is intended. Good grief, anything beyond their groceries, toiletries and gum rack is easily above $200.
Up until recently they were offering split payments to get the 5% discount, but no more. When I asked TD Bank, they encouraged me to refill 5 prescriptions at their Pharmacy to get a 5% discount coupon, which could be applied to any purchase. I haven't filled 5 prescriptions in the last 10 years. So what's the purpose of having a credit line with them if they openly discourage me from using it? I doubt they missed my dent in Black Friday shopping, but seriously, if my FICO was 600 or 850 I would just get the debit card and skip the lousy $200 TD Bank so graciously extends. Rant over.
