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Highest limit for TD/Target MC ?

aSKmEAboUTmYCrEDitCaRDs
Valued Member

Re: MC Target RedCard CL

I forgot to mention, the increase from $1800 to $6000 was the MC upgrade. From the post you linked it seems the 6 month CLI pattern comes after the MC upgrade.

Total CL: 44.2k
AAoA: 1 yr, 11 mo. AoOA: 3 yrs 7 mo. AoYA: >1 mo.

Current Cards:

Goal Cards:
Message 31 of 62
IrishGuy77
Regular Contributor

Re: MC Target RedCard CL

I started $600 last April 2019 and 6 months later, increased to $5k and now I'm sitting $8500. I was told the limit for store card is $9500 and MC version is $15k.

Message 32 of 62
NoMoreE46
Established Contributor

Re: MC Target RedCard CL

Yes I had a feeling that you were upgraded to the MasterCard.

Yours was a massive graduation!

 

Don't how TD  decides who gets the MasterCard upgrade (and at what credit limit.)

 

Amazon Prime Store 10,000
Apple Card GS 14,000
Barclays Rewards 17,000
BBVA Clr Pts 12,000
CapOne Savor 5,000
CapOne Venture 30,000
Discover It 20,500
PenFed Plt Rewards 15,000
Target Redcard MC 13,000
WF Active Cash 10,000
WF Propel 21,000
Message 33 of 62
NoMoreE46
Established Contributor

Re: MC Target RedCard CL


@IrishGuy77 wrote:

I started $600 last April 2019 and 6 months later, increased to $5k and now I'm sitting $8500. I was told the limit for store card is $9500 and MC version is $15k. 

 

 

Interesting note about the max limits.  

And wow, another massive graduation in a very short period.

 

Amazon Prime Store 10,000
Apple Card GS 14,000
Barclays Rewards 17,000
BBVA Clr Pts 12,000
CapOne Savor 5,000
CapOne Venture 30,000
Discover It 20,500
PenFed Plt Rewards 15,000
Target Redcard MC 13,000
WF Active Cash 10,000
WF Propel 21,000
Message 34 of 62
K-in-Boston
Moderator

Re: MC Target RedCard CL

I should just quote myself, but I'm still jealous.  😂  18 years later I seem to be stuck at $10,300.  I was finally getting CLIs every June and December for 3 years, but didn't get one when my statement closed in December 2019 and haven't seen one since. $300-700 every month, let statement cut with balance, update income to the same number every month, and PIF was working for me for a while there.  Now it's been 8 statements since I've had an increase.  Hopefully I won't have to wait another 14 years or so again before they start up again.

Message 35 of 62
NoMoreE46
Established Contributor

Re: MC Target RedCard CL


@NoMoreE46 wrote:

Yes I had a feeling that you were upgraded to the MasterCard.

Yours was a massive graduation!

 

Don't how TD  decides who gets the MasterCard upgrade (and at what credit limit.)

 


In gathering some data from this forum,  this is what I have come up with.  The average Redcard SL is $600 and you get the MC upgrade when your limit gets to about $6,000.  The lowest MC upgrade was when someone got to $2,000. 

 

 Redcard
Starting Limit ($)
New MC
Limit ($)
Average5946,125
Min2002,000
Max2,50011,000

 

Amazon Prime Store 10,000
Apple Card GS 14,000
Barclays Rewards 17,000
BBVA Clr Pts 12,000
CapOne Savor 5,000
CapOne Venture 30,000
Discover It 20,500
PenFed Plt Rewards 15,000
Target Redcard MC 13,000
WF Active Cash 10,000
WF Propel 21,000
Message 36 of 62
morgacj2004
Valued Contributor

Re: Highest limit for TD/Target MC ?

I am at 9k Target MC. 


AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550
Message 37 of 62
KLEXH25
Valued Contributor

Re: MC Target RedCard CL


@NoMoreE46 wrote:

@NoMoreE46 wrote:

Yes I had a feeling that you were upgraded to the MasterCard.

Yours was a massive graduation!

 

Don't how TD  decides who gets the MasterCard upgrade (and at what credit limit.)

 


In gathering some data from this forum,  this is what I have come up with.  The average Redcard SL is $600 and you get the MC upgrade when your limit gets to about $6,000.  The lowest MC upgrade was when someone got to $2,000. 

 

 Redcard
Starting Limit ($)
New MC
Limit ($)
Average5946,125
Min2002,000
Max2,50011,000

 


So if I apply for a Target Redcard, they automatically start you with the store version for $600? Or can you get an MC off the bat? I have the debit version, so I probably won't waste an HP, but I've always been curious. I shop at Target ALOT.



Message 38 of 62
Anonymous
Not applicable

Re: MC Target RedCard CL


@KLEXH25 wrote:

@NoMoreE46 wrote:

@NoMoreE46 wrote:

Yes I had a feeling that you were upgraded to the MasterCard.

Yours was a massive graduation!

 

Don't how TD  decides who gets the MasterCard upgrade (and at what credit limit.)

 


In gathering some data from this forum,  this is what I have come up with.  The average Redcard SL is $600 and you get the MC upgrade when your limit gets to about $6,000.  The lowest MC upgrade was when someone got to $2,000. 

 

 Redcard
Starting Limit ($)
New MC
Limit ($)
Average5946,125
Min2002,000
Max2,50011,000

 


So if I apply for a Target Redcard, they automatically start you with the store version for $600? Or can you get an MC off the bat? I have the debit version, so I probably won't waste an HP, but I've always been curious. I shop at Target ALOT.


They start you with the store card and it can be as low as $250 I believe. I actually think some much larger than average limits are skewing things because most of us get $300-$500 to start. 

Message 39 of 62
NoMoreE46
Established Contributor

Re: MC Target RedCard CL


@Anonymous wrote:

They start you with the store card and it can be as low as $250 I believe. I actually think some much larger than average limits are skewing things because most of us get $300-$500 to start. 


Saeren is pretty close as per usual.  Using a weighted average method, the SL is $351 vs. $594 (simple average.)  Here is a shot of the data*:

 

Redcard
Starting Limit ($)
Holders Weight
Factor
Weighted
SL
20036000.07545.00
3001751000.4252,167.50
40014000.02510.00
500840000.200800.00
60016000.02515.00
80018000.02520.00
1000550000.125625.00
1200112000.02530.00
1300113000.02532.50
2000120000.02550.00
2500125000.02562.50
     
Total Holders40 1.003,857.50
Count of SL
by Amount
11   
   Weighted
Avg
350.682

 

     *Based on gleaning data from this forum; not verified or validated. 

 

I welcome everyone to double check my table.

 

 

Amazon Prime Store 10,000
Apple Card GS 14,000
Barclays Rewards 17,000
BBVA Clr Pts 12,000
CapOne Savor 5,000
CapOne Venture 30,000
Discover It 20,500
PenFed Plt Rewards 15,000
Target Redcard MC 13,000
WF Active Cash 10,000
WF Propel 21,000
Message 40 of 62
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