Elusive Target RC CLI

[Anonymous]

I’m still hoping for an upgrade to the MC. I contacted them about it last year and was told basically that “if we want you to have it, we’ll let you know”. There wasn’t a way to apply for or request it.

As for CLIs, I had the $300 SL the first 3 years, and since then it’s been auto-CLIs to 700/1000/1300/1700/2100/2900 (current as of 11/2018). I use the hell out of it, carry balances sometimes, run it up, pay it down, and update my income about a week or so before the statement close date. They’ve been generous with me once they finally loosened the purse strings. All of those CLIs have happened since 2016. Spend and payments has been the key for me. Use it a lot, be 100% on time with payments, and UTI doesn’t matter - I’ve been at 90% before and gotten a surprise CLI. Long as you use it and pay, they will eventually start raising your limits and once they do it seems to continue fairly regularly.

[Adalen]

I have had my Target card since 2013 with one CLI from 200 to 400, lol. I just recently stopped using it in favor of my Target debit card.

[Anonymous]

My two cents, your patience and good standing will pay off. I applied for the regular red card back in 2016 and was given a $500 SL. Prior to my upgrade, I used my card averagely, always PIF, but I never received an auto-cli. Last year, however, I was upgraded to the MasterCard with a $1000 cli, and, recently, I saw my credit line around $4000. There is light at the end of that dark, dark tunnel.