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Target Credit Lines

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Sexyblue
Contributor

Re: Target Credit Lines

Had mind since 2014 and my credit limit sits at $2200 not a penny more. 



TU 660,EX 679, EQ 673,
DiscoverIT19,500 | Barney's NY,16000 | Jcrew, 8000 | Macy'sRed,12000 | Bloomingdales,9000 | Elan Visa, 5000|
P.C Richards ,4000 | Amazon, 3000 | Barclays, 3000 WalmartMC, 3000 | Target, 3400| Brooks Brothers 1,400
CAP1, 1250 | BOA,1000 | BestBuy, 1000 | American Airlines, 1300|
Message 11 of 20
CreditUnionFan
Valued Contributor

Re: Target Credit Lines

When they first issued the Target Visa, I had a 10k limit. I didn't see much use for it outside of Target and during the economic meltdown the card limit was slashed down to a mere $500.

 

Only recently did the needle start to move - up to $1k, then $1.5k, and a couple of months ago to $2.5k.

 

If the card is only used at Target, a high credit limit isn't a large issue.

I was going to garden... Honest!
Message 12 of 20
Blackbeauty212
Frequent Contributor

Re: Target Credit Lines

I dont understand people complaining about not getting CLIs over 10k, how much are you going to buy at Target anyway. Anyone wanting higher CLs need to apply for Prime Cards. I doubt if Target TD gives >10k CLs even on the MC version. General Store cards whether or not V/MC are usually not meant to have CLs >10K 

 

Message 13 of 20
Anonymous
Not applicable

Re: Target Credit Lines


@Anonymous wrote:

@Anonymous wrote:

Got mine in November 2014 with a $300 CL.  I now have the Mastercard version with a $7k CL.


How long ago did you get the MC version?  I think mine was scheduled to ship on Monday (maybe Friday).  Hasn't arrived yet, but I noticed today that the account number updated.

 

 


I got mine in the mail a couple of weeks ago.  In my initial letter it said it would be sent out after August 11th I believe and it was waiting in my mailbox when I came back from vacation on the 20th.

Message 14 of 20
Anonymous
Not applicable

Re: Target Credit Lines

I've had mine since xmas 2010, SL 1000. I've gotten multiple small clis the past year or so. Still under 3k.

Has anyone applied for a second Target card? I understand there is very little incentive today even one card… 😊 but for the people who've been stepped on with tiny limits for 10 years that might be a solution?
Message 15 of 20
Anonymous
Not applicable

Re: Target Credit Lines

Well I have several store cards with limits well above $10,000 (Macy's, Nieman Marcus, Pottery Barn etc) When u are buying large ticket items such as furniture or jewelry... You need large credit limits. And more often than not, using a store's credit card gets you the best discount, best rewards and best financing.
Message 16 of 20
Kay_Cee
Regular Contributor

Re: Target Credit Lines

I've had mine since 2008.  It opened as a Visa with a $3,000 limit.  Later increased to $4,500, then $6,000 and recently they moved it to $10,000.  I use it at Target only for groceries and other miscellaneous purchases.  Think the highest balance I've ever had may have been around $1,200 and paid off the following month.  No complaints from me.

 

Message 17 of 20
jamesdwi
Valued Contributor

Re: Target Credit Lines

The reason for the high limit is to not MAX the card out with a simple shopping spree, I try to never use more than 30% of my CL, it keeps my other card issuers happy. so if I had a  10k limit I could go buy a nice large flat screen, a blue-ray compputer and some small appliances. But that is not the case for me. To answher the OP in this case I have had my Target card since 1/2012 with the massive credit line of $200. Apparently they are very INQ sensitive at time of application I  had a couple new INQ's at the time.  2x from AMEX 1 for my BCE( SL of 6500) and one for my ZYNC (NPSL).  5 years later the BCE is now a BCP with a CL of 15k, ZYNC is still NPSL. and the target card is still at $200. So the absolutely maximum I will spend at target is $60 so flat screen tvs's and many small applicanes are out. Sorry don't shop at target much, along with barely passing customer service, moderate prices. and terrible  pharmacy personel.

Cards: Chase Southwest 20k & CSR 17k & CSP 10k & FNBO 30k Oregon Duck 5k, & AMEX BCP 32.5k & Amex Magnet 15k&amg; Hilton Surpass 7.5k & Delta Gold 12k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 20k, Paypal Extras MC 10k, Paypal Credit 7.25k CapOne Venture 15k, QS 2.5k, QS 750, Amazon 10k, Walmart 10k, Citi Simplicity 18k, Discover IT 23k and a nice stack of store cards.
Landmarkcu Personal Loan 10k
Message 18 of 20
B335is
Moderator Emeritus

Re: Target Credit Lines


@Anonymous wrote:
I've had mine since xmas 2010, SL 1000. I've gotten multiple small clis the past year or so. Still under 3k.

Has anyone applied for a second Target card? I understand there is very little incentive today even one card… 😊 but for the people who've been stepped on with tiny limits for 10 years that might be a solution?

I actually tried this as I'd been stuck with a $200 limit since 1998 and it was denied.  I can't remember if it was the phone number or SS# that they cited as being an existing account holder.  They finally took off one of the training wheels this year and it's at $800.

Message 19 of 20
awp317
Frequent Contributor

Re: Target Credit Lines

My Target visa was at 12k at the time of closing. But closed it back in 13 as a condition of my mortgage. Honestly don't miss it. 

Amex Platinum NPSL I Chase Sapphire Reserve 78K I Chase Freedom U 55k I JP Morgan Ritz 50k I B OF A Cash Rewards 50k I Barclay Black Luxury 43,750 I Capital One QuickSilver 40K I Amex BCP 34k I Amex Optima Platinum 30k I Barclays Arrival+ World E 29k I Merril+ 27,800 I Lowes 25k I Pen Fed PR Visa Sig 20K I Home Depot 17k I NFCU Cash Rewards 8k

Amex Biz Platinum NPSL I Lowes Business 42k I Amex Simply Cash + $22,500 I Chase Ink 21K I B of A World Points $20,500 I B of A Bus MasterCard 16k I Amex SPG 3K.
Message 20 of 20
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