@Anonymous wrote:Hi.
I know that there has been a lot of posts about the Target Redcard upgrade to Mastercard. I just wanted to ask one more question.
I have had the Redcard since 2010. The card was, until this year, very sparsely used, Like maybe $40 every 3-4 months, mainly when my wife needs hair products like coloring, etc.
Now, since July of last year, I have been buying stuff online and in store every month, in hopes of getting the upgrade. Again, not huge amounts, but sometimes maybe $200 for a rug shampoo, etc. I have been showing more 'luv, in credit card parlance.
I was thinking that if I do not get the upgrade the next time they do upgrades (Jauary and February?), I would just stop using the card and SD it, except for wife's stuff.
I guess that I am a little p***ed. Also, I have not received a credit line increase since 2014 ($2000 limit went to $2800).
I know that emotions and credit cards should not be mixed, but I want to know if anyone else would be p***ed in this scenario and would SD the card as a result. I know that normal people (i.e., don't care about credit cards) would not have these feelings about a credit card, but I (like many of you on this board) are not 'normal', as respects credit cards, or you would not be on this board. Target is a nice fun place, but it's not like we (i.e., wife and me) need to go there.
Have a nice, safe, blissful day !!
Man this card is becoming synonymous with you, lol, k8nda like me and PF
. Just think of all those poor souls stuck at $300 for YEARS and relate that to your $2000- 2800k limit. All these big increases or upgrades are only recent, this card was a graveyard for increase for most for many years.
@Anonymous wrote:Hi.
I know that there has been a lot of posts about the Target Redcard upgrade to Mastercard. I just wanted to ask one more question.
I have had the Redcard since 2010. The card was, until this year, very sparsely used, Like maybe $40 every 3-4 months, mainly when my wife needs hair products like coloring, etc.
Now, since July of last year, I have been buying stuff online and in store every month, in hopes of getting the upgrade. Again, not huge amounts, but sometimes maybe $200 for a rug shampoo, etc. I have been showing more 'luv, in credit card parlance.
I was thinking that if I do not get the upgrade the next time they do upgrades (Jauary and February?), I would just stop using the card and SD it, except for wife's stuff.
I guess that I am a little p***ed. Also, I have not received a credit line increase since 2014 ($2000 limit went to $2800).
I know that emotions and credit cards should not be mixed, but I want to know if anyone else would be p***ed in this scenario and would SD the card as a result. I know that normal people (i.e., don't care about credit cards) would not have these feelings about a credit card, but I (like many of you on this board) are not 'normal', as respects credit cards, or you would not be on this board. Target is a nice fun place, but it's not like we (i.e., wife and me) need to go there.
Have a nice, safe, blissful day !!
You've barely used the card, still got an 800$ increase and now you're mad in the middle of a pandemic when lenders generally seem to be tightening up that you're not getting an increase when by your own admission you rarely use even 10% of the credit available?
I am actually not meaning to be rude or sarcastic, but rather rephrasing your post from a different perspective to help you see how unreasonable your reaction is.
@Anonymous wrote:Hi.
I know that there has been a lot of posts about the Target Redcard upgrade to Mastercard. I just wanted to ask one more question.
I have had the Redcard since 2010. The card was, until this year, very sparsely used, Like maybe $40 every 3-4 months, mainly when my wife needs hair products like coloring, etc.
Now, since July of last year, I have been buying stuff online and in store every month, in hopes of getting the upgrade. Again, not huge amounts, but sometimes maybe $200 for a rug shampoo, etc. I have been showing more 'luv, in credit card parlance.
I was thinking that if I do not get the upgrade the next time they do upgrades (Jauary and February?), I would just stop using the card and SD it, except for wife's stuff.
I guess that I am a little p***ed. Also, I have not received a credit line increase since 2014 ($2000 limit went to $2800
I know that emotions and credit cards should not be mixed, but I want to know if anyone else would be p***ed in this scenario and would SD the card as a result. I know that normal people (i.e., don't care about credit cards) would not have these feelings about a credit card, but I (like many of you on this board) are not 'normal', as respects credit cards, or you would not be on this board. Target is a nice fun place, but it's not like we (i.e., wife and me) need to go there.
Have a nice, safe, blissful day !!
Well if you are in Target, #1 you are supposed to go
blind to prices and just suck on your Starbucks drink
of choice. Seriously though this is not a "grower"
card in MyFico speak. What it is is 5% off everything you buy
there card. MC version or regular version is no real difference.
T D Bank is pretty conservative.
Enjoy your Target Card :-)
Cheers
Folks, some of you are missing the point here, and not even helping to answer the OP's questions/dilemma regarding their Target account.
Also, just a reminder to folks that obtaining an upgrade from a store card to a coveted major card is a big deal to some people, (especially if they are new to credit or rebuilders), so don't knock it and rain on their parade!
@Anonymous
Im in the same boat as you regarding my card. Hoping for the upgrade, because as we all know, having a Visa/MC version of a store card is a big win in some people's books, and being able to use that card ANYWHERE vs just at that store regardless of it's rewards, is still a win for us.
I've tried everything myself...use for a few dollars every month/PIF before statement, use for several hundred monthly/let balance report, use every other month, and all sorts of equations in between. Nothing has happened. I haven't had a CLI on my card in a year and a half. 
So, now...my card is in the SD for a minimum of 6 months maybe longer to see if that triggers anything. I had read in a previous post awhile back someone doing this, and they got the CLI plus upgrade. Now, no guarantee this will happen to me, you, or anyone else, but I will try it.
Target is backed by TD Bank, who can be very conservative. Also, now with everything going on in our world, they could also be cracking down on CLI's, and upgrades. I had a target card many years ago, and waited 10 years before I got the upgrade to Visa (at the time), so I guess I can wait again.
Good Luck!
@pizza1 wrote:Folks, some of you are missing the point here, and not even helping to answer the OP's questions/dilemma regarding their Target account.
Also, just a reminder to folks that obtaining an upgrade from a store card to a coveted major card is a big deal to some people, (especially if they are new to credit or rebuilders), so don't knock it and rain on their parade!
@Anonymous
Im in the same boat as you regarding my card. Hoping for the upgrade, because as we all know, having a Visa/MC version of a store card is a big win in some people's books, and being able to use that card ANYWHERE vs just at that store regardless of it's rewards, is still a win for us.
I've tried everything myself...use for a few dollars every month/PIF before statement, use for several hundred monthly/let balance report, use every other month, and all sorts of equations in between. Nothing has happened. I haven't had a CLI on my card in a year and a half.
So, now...my card is in the SD for a minimum of 6 months maybe longer to see if that triggers anything. I had read in a previous post awhile back someone doing this, and they got the CLI plus upgrade. Now, no guarantee this will happen to me, you, or anyone else, but I will try it.
Target is backed by TD Bank, who can be very conservative. Also, now with everything going on in our world, they could also be cracking down on CLI's, and upgrades. I had a target card many years ago, and waited 10 years before I got the upgrade to Visa (at the time), so I guess I can wait again.
Good Luck!
Good job steering the ship straight @pizza1
Cheers
Dear kdm31091:
You are correct. It is a psychological thing.
I do not need a Target Mastercard. I already have other high limit cards, such as Citi DC with a $24000 limit.
It's just that I prefer not to have store cards, and prefer only bank cards, even if co-branded. If I can get the upgrade, why shouldn't I have it?
Target Redcard is the last store card I have.
As to whether I would use it outside of Target, probably never. I would have to be in a place where my Citi DC would not work, and they didn't accpte AMEX BCP, and then I would use Target Mastercard. Possible, but highly unlikely.
Have a nice day, and stay healthy !!!