How to get a Target CLI?

[TiggerDat]

They won't do any type of CLI if you call them, not even with a HP.

I have tried not using the card.

I have tried using the card and paying in full each month.

I have updated my income four times in the last year.

My limit for the last two years has been $500.  I just got approved about a month ago for almost $20K from Chase, so my scores support a higher limit!

What else can I do? 

[Simply827]

I'd like to know too.

[manyquestions]

I'm stuck at $200. Nothing I do has any effect either. 

[securingourfuture]

I just closed mine.  Got sick of waiting on a CLI and having to pay $200 cash in the store to spend more than $200 on the cc in the store.

[ddemari]

There is no definitive anwser on this. I have had a card stuck a $300.00 for going on almost 3 years. The best you can do is update your financial profile on their website and hope for the best. I cant tell you how many times i have called them and asked for my account to be flagged for a review. Never anything. 

I have a theory that people who got this card in in prior to 2014, are stuck in some pergatory area and are accounts are deemed not ever going to increase. cause people are getting way to many CLI's on accounts opened 2014 to present. 

[Anonymous]

My DH didn't use his card much and split the payment in half each month before the due date. The card was at $300 got in April and one day got an alert about a month ago from Mint Bills that the limit had been increased to $800, not much but the only thing I did was make a purchase that took it almost to the limit and paid it off over two statements.  I wonder if that triggered it. I did do the income request information every time I logged in to pay the bill too lol. (I'm only AU on the card, they won't even give me one)

Hope you all get your increases, being stuck at one limit too long does stink

[TiggerDat]

I had to laugh when I was speaking with a supervisor yesterday about the limit.  He suggested that I use the card and then pay it right away then while in the store.  I had mentioned to him that high utilization was bad for credit scores.  I guess they have prepared answers for objections, much in the same way that CapOne had prepared answers when they were harder to deal with.  I asked if I could have multiple accounts and his answer for that also made me laugh.  He first said I could, but if I applied for too many then it would be denied because of the Fair Credit Reporting Act.  I asked how the FCRA had anything to do with approval for multiple accounts.  He said it had to do with the fact that the FCRA was law, which to be truthful it is law, but it has to do with Credit Reporting and not Credit Granting.  I did tell him that credit granting and the law didn't prohibit multiple accounts.  That was when he then changed his story and said that it was Target policy not to allow multiple accounts. 

[Anonymous]

I am about to close mine ,500 bucks since nov 14. Waiting to complete a year. Honestly, what would be the difference if the company closes it vs the consumer closing the account? Someone could easily spend 500 within the month and have to pay it right away because they already meet their max. I only got this card for my wife to use for groceries etc, but really its a waste of space. I wish they would do the same as walmart does, store card/MC