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New Target CC

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Moderator Emeritus

Re: New Target CC


@PurpleHaze wrote:

@MagicShot wrote:

@PurpleHaze wrote:

 

My card (store) opened with $300 received first cli to $500 and then $1000.

 


My CL is 1000 but i also just have a store card. they no longer offer a visa card.


you are correct. I was just wondering if that is why his card was issued with a higher limit.



Target has been changing. I've seen some odd limits lately for their store card. The days of $200, $300, $500, and $1000 CLs are becoming a thing of the past. I still have no regrets cancelling my $200 after it was stuck there for over 3 yrs.

Message 11 of 29
Frequent Contributor

Re: New Target CC


@PurpleHaze wrote:

@scientifics wrote:

@jefftca925 wrote:

I went to Target yesterday to pick up a few things for the house and figured I might as well get one of their RedCards since I shop there so much and an additional 5% can add up over time.  I went to the CS desk and the nice lady helped me submit my app.  It came back instantly approved for..... (drum roll please) $600!!  This is my lowest limit by a long shot and I was a little shocked.  Is Target going back to issuing low limit cards again after granting larger lines late last year?  I'm ok with it as I won't buy THAT much stuff there but still a bit surprised.  My FICOs are in the 770-780 range.


My FICOs are in the 730 range and I got approved for a CL of $2000. Are you sure that's not just the temporary limit until you get the card in the mail?


Scientifics was your card the Target Visa card? I'm thinking it was with a limit of $2000. The store card is usually issued a limit as low as $200 and the highest I have heard of is $1000.

 

My card (store) opened with $300 received first cli to $500 and then $1000.

 


I opened my card on July 23, and it is the store card NOT the Visa.

Message 12 of 29
Member

Re: New Target CC

I got a 2000 starting limit about a year ago. It's the regular red card. My fico is low, around 660ish. Haven't checked in a few months. No cli since opening though, stuck at 2000.
Message 13 of 29
Established Contributor

Re: New Target CC


@Murph7 wrote:
I got a 2000 starting limit about a year ago. It's the regular red card. My fico is low, around 660ish. Haven't checked in a few months. No cli since opening though, stuck at 2000.

I noticed a lot of limits were considerably higher last year but lower in the last few months.  I assume their charge-offs have increased again and they are trying to limit exposure.

CCs: Chase Freedom VS 12.9k, CSP VISA Sg 13k, BofA Amex 24.5k, Discover 12.5k, US Bank Cash+ Visa Sg 17k, Macy's Amex 8k/1.5k, Gap Visa 10k, Best Buy 11.1k, Citi TY MC 10.8k, Citi AA Amex 6k, Nordstrom VS 10k, Costco Amex 12k, BofA CR VS 5k, Amex BCP 13.5k, Amex ED 5k, Sears MC 9k, HD 7k, Target 600, Amazon 7k, US Bank MC 15k, US Airways MC 8k, NFL Visa 4k, Patelco Visa 10k, Penfed PR VS 44.6k, Chase Hyatt VS 8k, Citi Simplicity 13.3k, PayPal MC 7.5k, BBVA Visa 4k, WF VS 14k, FNBO Amex 14.1k, OCCU VISA 15k, TR Visa Sg 16.3k, C1 QS Visa 11k, FRN MC 15k, HSN 4k, Saks WEMC 10k/4k, Chase Ink 18k, Arrival WEMC 10k, Ebates VS 8k, Orbitz VS 12k, NASA V 30k, USBk FP VS 21.5k, DC 30k, VirgAm 15k, Sams MC 15k, Amex Bz Gold, Amex SC 10k, BofW Bz MC 18k
Message 14 of 29
Frequent Contributor

Re: New Target CC


@jefftca925 wrote:

@Murph7 wrote:
I got a 2000 starting limit about a year ago. It's the regular red card. My fico is low, around 660ish. Haven't checked in a few months. No cli since opening though, stuck at 2000.

I noticed a lot of limits were considerably higher last year but lower in the last few months.  I assume their charge-offs have increased again and they are trying to limit exposure.


Mine was just a few weeks ago...seems like there really isn't much sense behind the CLIs they give.

Message 15 of 29
Established Contributor

Re: New Target CC

Is the limit that you receive at the store usually the same once you receive the card?

CCs: Chase Freedom VS 12.9k, CSP VISA Sg 13k, BofA Amex 24.5k, Discover 12.5k, US Bank Cash+ Visa Sg 17k, Macy's Amex 8k/1.5k, Gap Visa 10k, Best Buy 11.1k, Citi TY MC 10.8k, Citi AA Amex 6k, Nordstrom VS 10k, Costco Amex 12k, BofA CR VS 5k, Amex BCP 13.5k, Amex ED 5k, Sears MC 9k, HD 7k, Target 600, Amazon 7k, US Bank MC 15k, US Airways MC 8k, NFL Visa 4k, Patelco Visa 10k, Penfed PR VS 44.6k, Chase Hyatt VS 8k, Citi Simplicity 13.3k, PayPal MC 7.5k, BBVA Visa 4k, WF VS 14k, FNBO Amex 14.1k, OCCU VISA 15k, TR Visa Sg 16.3k, C1 QS Visa 11k, FRN MC 15k, HSN 4k, Saks WEMC 10k/4k, Chase Ink 18k, Arrival WEMC 10k, Ebates VS 8k, Orbitz VS 12k, NASA V 30k, USBk FP VS 21.5k, DC 30k, VirgAm 15k, Sams MC 15k, Amex Bz Gold, Amex SC 10k, BofW Bz MC 18k
Message 16 of 29
Frequent Contributor

Re: New Target CC


@jefftca925 wrote:

Is the limit that you receive at the store usually the same once you receive the card?


The receipt that prints out at the store says your temporary limit and the limit you will have once you get the card.

Message 17 of 29
Regular Contributor

Re: New Target CC

I have been stuck with $200 for the past 4 years. Not sure what to do with this card.

Message 18 of 29
Epic Contributor

Re: New Target CC

I have 4 Red Cards

opened:

1999-$300

2008-$1000

2009-$200

2009-$200

 

Never have understood the bank but I spend about $1000-$1500 a month in the store so the 5% off everything and 10% wine of 6 bottles or may adds up to a significant savings.

Message 19 of 29
Frequent Contributor

Re: New Target CC

 


@jefftca925 wrote:

I went to Target yesterday to pick up a few things for the house and figured I might as well get one of their RedCards since I shop there so much and an additional 5% can add up over time.  I went to the CS desk and the nice lady helped me submit my app.  It came back instantly approved for..... (drum roll please) $600!!  This is my lowest limit by a long shot and I was a little shocked.  Is Target going back to issuing low limit cards again after granting larger lines late last year?  I'm ok with it as I won't buy THAT much stuff there but still a bit surprised.  My FICOs are in the 770-780 range.


Which credit bureau did Target pull?

“Faith is taking the first step even when you don’t see the whole staircase.”
Message 20 of 29
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