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Highest limit for TD/Target MC ?

Physh1
Frequent Contributor

Re: Highest Limit Target MC?

I'm sitting at $13,500.

Message 51 of 62
FinStar
Moderator

Re: Highest Limit Target MC?

$16,500 (formerly Target Visa).

Message 52 of 62
FalconSteve
Established Contributor

Re: Highest limit for TD/Target MC ?

I had a RED card that I got at 18 and rarely used, they CLD'ed it down to ~$200 and eventually closed it for non-use. On 2/21, I reapplied and got a $2500 limit that was very good compared to my old cards at the time. I haven't received any CLI or the MC upgrade yet, but my use is pretty limited and I may never get either.

 

I want the MC upgrade, but also know I will never use it with the lack of impressive rewards (I have multiple 1.5% options and a Citi Double Cash for 2%). Anyone else?

SoFi World Elite MC (TBOM) $7000 SL
REDcard (TD Bank) $2500 SL
AmEx Cash Magnet $10k SL, CLI after 36hr to $20k- $30k CL
BB&T Rewards $11k SL- impulse application
BB&T Rewards $11k SL- AU, not on reports- impulse app (wife's card)
Discover $8800 CL- $1k SL- AU, no longer on reports b/c of error (wife's card)
Citi Double Cash WEMC $8400 CL- AU- (wife's card)
AmEx Cash Magnet $27,900 CL (wife's card)
BoA Cash Rewards $11k CL- AU (Dad's card)
BoA Premium Rewards $12.3k CL- AU (Dad's card)
PSECU Founder's Card $30k SL- AU (Dad's card)
AmEx Cash Magnet $30k CL- AU (Dad's card)
Wells Fargo Propel AmEx $3200 CL (AU, wife's card, not on CR b/c I was temporarily removed as an AU)

Credit Scores for both of us around 800, depending on what you pull & balances. All PIF, frequently before statement close
Goals: Buy a house, AOD VISA Signature card (or other 3% cashback), Chase Freedom Flex, $250k on CR, $100k NOT including AU accounts
Closed accounts (long period of inactivity): AmEx clear, Citi ThankYou (previously Driver's Edge), Chase Freedom, Cap One, Discover IT, Lowes, 1st REDcard, Buy.com Visa, Children's Place, Kohl's, Angel Card (AU- wife's), Old Navy, Wells Fargo Active Cash (2%)- $2k SL- AU (wife's card)
Message 53 of 62
FinStar
Moderator

Re: Highest limit for TD/Target MC ?


@FalconSteve wrote:

I had a RED card that I got at 18 and rarely used, they CLD'ed it down to ~$200 and eventually closed it for non-use. On 2/21, I reapplied and got a $2500 limit that was very good compared to my old cards at the time. I haven't received any CLI or the MC upgrade yet, but my use is pretty limited and I may never get either.

 

I want the MC upgrade, but also know I will never use it with the lack of rewards (I have multiple 1.5% options and a Citi Double Cash for 2%). Anyone else?


Given that the rewards are Target-specific, if someone shops quite frequently at Target (in addition to the 5% savings), then 2% on travel/dining (1% elsewhere) may be of some benefit to a variety of folks.  Different strokes for different folks.

Message 54 of 62
FalconSteve
Established Contributor

Re: Highest limit for TD/Target MC ?


@FinStar wrote:

Given that the rewards are Target-specific, if someone shops quite frequently at Target (in addition to the 5% savings), then 2% on travel/dining (1% elsewhere) may be of some benefit to a variety of folks.  Different strokes for different folks.


I definitey agree. I didn't know about the 2% (although I get more than that from other cards, so still wouldn't be likely to use it). I was just curious if anyone else who doesn't plan on using it still wants the upgrade.

 

Is it true that it has no FTF?

SoFi World Elite MC (TBOM) $7000 SL
REDcard (TD Bank) $2500 SL
AmEx Cash Magnet $10k SL, CLI after 36hr to $20k- $30k CL
BB&T Rewards $11k SL- impulse application
BB&T Rewards $11k SL- AU, not on reports- impulse app (wife's card)
Discover $8800 CL- $1k SL- AU, no longer on reports b/c of error (wife's card)
Citi Double Cash WEMC $8400 CL- AU- (wife's card)
AmEx Cash Magnet $27,900 CL (wife's card)
BoA Cash Rewards $11k CL- AU (Dad's card)
BoA Premium Rewards $12.3k CL- AU (Dad's card)
PSECU Founder's Card $30k SL- AU (Dad's card)
AmEx Cash Magnet $30k CL- AU (Dad's card)
Wells Fargo Propel AmEx $3200 CL (AU, wife's card, not on CR b/c I was temporarily removed as an AU)

Credit Scores for both of us around 800, depending on what you pull & balances. All PIF, frequently before statement close
Goals: Buy a house, AOD VISA Signature card (or other 3% cashback), Chase Freedom Flex, $250k on CR, $100k NOT including AU accounts
Closed accounts (long period of inactivity): AmEx clear, Citi ThankYou (previously Driver's Edge), Chase Freedom, Cap One, Discover IT, Lowes, 1st REDcard, Buy.com Visa, Children's Place, Kohl's, Angel Card (AU- wife's), Old Navy, Wells Fargo Active Cash (2%)- $2k SL- AU (wife's card)
Message 55 of 62
johnny50
Regular Contributor

Re: Highest limit for TD/Target MC ?

The MC upgrade is something I want to have, too.

 

I have $2800 limit since 2014, and nothing since. I have done all the right things (charge every month, update income every month, always pay in full, etc.)

 

I normally just use my AMC BCP for 6% groceries and Citi DC for 2% on all else. A Target MC would give me peace of mind as a backup, in case a store rejects Citi DC and the same store won't take AMEX. Other than that, I would only use it at Target (in store or online), same as I do now.

 

However, I doubt that an upgrade will ever occur for me, as it seems that the "powers that be" have done nothing for me since the $800 bump I got in 2014, to bring me up to $2800.

 

You might have better luck (I hope that you do).

 

In any case, Happy Thanksgiving !!

Message 56 of 62
johnny50
Regular Contributor

Re: Highest limit for TD/Target MC ?

AMC BCP

 

I meant AMEX BCP.

 

Sorry.Smiley Wink

Message 57 of 62
FalconSteve
Established Contributor

Re: Highest limit for TD/Target MC ?


@johnny50 wrote:

AMC BCP

 

I meant AMEX BCP.

 

Sorry.Smiley Wink


When I read it, my brain auto-corrected and I didn't even realize the mistake until you corrected it.

 

As far as the RedCard MC, hopefully they'll change their mind and give it to you eventually. Thanks for making me feel less silly for wasnting an upgrade I don't intend on really using.

 

Happy Thanksgiving!

SoFi World Elite MC (TBOM) $7000 SL
REDcard (TD Bank) $2500 SL
AmEx Cash Magnet $10k SL, CLI after 36hr to $20k- $30k CL
BB&T Rewards $11k SL- impulse application
BB&T Rewards $11k SL- AU, not on reports- impulse app (wife's card)
Discover $8800 CL- $1k SL- AU, no longer on reports b/c of error (wife's card)
Citi Double Cash WEMC $8400 CL- AU- (wife's card)
AmEx Cash Magnet $27,900 CL (wife's card)
BoA Cash Rewards $11k CL- AU (Dad's card)
BoA Premium Rewards $12.3k CL- AU (Dad's card)
PSECU Founder's Card $30k SL- AU (Dad's card)
AmEx Cash Magnet $30k CL- AU (Dad's card)
Wells Fargo Propel AmEx $3200 CL (AU, wife's card, not on CR b/c I was temporarily removed as an AU)

Credit Scores for both of us around 800, depending on what you pull & balances. All PIF, frequently before statement close
Goals: Buy a house, AOD VISA Signature card (or other 3% cashback), Chase Freedom Flex, $250k on CR, $100k NOT including AU accounts
Closed accounts (long period of inactivity): AmEx clear, Citi ThankYou (previously Driver's Edge), Chase Freedom, Cap One, Discover IT, Lowes, 1st REDcard, Buy.com Visa, Children's Place, Kohl's, Angel Card (AU- wife's), Old Navy, Wells Fargo Active Cash (2%)- $2k SL- AU (wife's card)
Message 58 of 62
Namaste7
Established Contributor

Re: Highest limit for TD/Target MC ?

11.5k MC
~~MMXX~~
My Garden Goal: Double NW
Message 59 of 62
NoMoreE46
Established Contributor

Re: Highest limit for TD/Target MC ?

We have had several $15,000 replies with this revived thread and a $16,500.  This leads me to believe that the max for this card is $17,000.

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 60 of 62
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