Speaking of Target they switched me to a Visa in under a year with no request by me. It was very odd, they left both accounts open for awhile and I wound up going over the 1k limit that way. I didn't get hit with any uglies, but I had to scramble to come up with the money to get under 1k REALLY quickly.
When they switched me from red to visa I went from 250 CL to 1k.
Hope this helps!