Re: Target credit increase

911gt34life · ‎09-08-2025

After speaking to Target customer service credit increase are automatic you cannot request it...

I'm sitting at 700 still...

I know some of you guys have the MasterCard version I still have the store card

>

ptatohed · ‎09-08-2025

You're at 700 what? I'm not sure what you are asking.

[Until I can make a pretty signature, here’s an updated draft]

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card // primis Perks debit Visa (50c CB per transaction (5% CB or more up to $10 spend))

5% CB rotating:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

crystal626 · ‎09-08-2025

Limit most likely

11/2

EX8 754
EQ8 776
TU8 774

26 cards TCL $282,750 ACL $10,875

NoMoreE46 · ‎09-08-2025

@911gt34life

How one gets a CL Increase is a well known mystery today.

Back in the day {2016-2019} the MC version ($4,000 was the buy-in CL) was auto luv of $2,000 every six months for many of us. PS max CL is $17,000 but I dont think anyone here is there.

@911gt34life wrote:
After speaking to Target customer service credit increase are automatic you cannot request it...

I'm sitting at 700 still...

I know some of you guys have the MasterCard version I still have the store card

Drifter73 · ‎09-08-2025

@911gt34life wrote:
After speaking to Target customer service credit increase are automatic you cannot request it...

I'm sitting at 700 still...

I know some of you guys have the MasterCard version I still have the store card

4 yrs in and I've only had 1 cli from target. It took 2 years for them to increase me fron $400 to $600 and I made sure to spend a couple hundred per month and pif the 1st and 2nd year.

With no movement on cl in year 3 I stopped force spending and now spend, maybe $200 every 3 months there.

Done trying to chase the elusive Target cli dragon.

coldfusion · ‎09-09-2025

@911gt34life wrote:
After speaking to Target customer service credit increase are automatic you cannot request it...

I'm sitting at 700 still...

I know some of you guys have the MasterCard version I still have the store card

Correct. Can't request a CLI, TD Bank decides on their own if and when you'll get one.

The historical recommendation to inprove odds of an autocli on the store card has been to:

a) put spend on the card every month, let the balance report, and always PIF the resulting statement balance.

b) every month log in onlne and update your income, even if it hasn't changed.

(10/2025)
FICO 8 (EX) 838 (TU) 846 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion

MrsCHX · ‎09-09-2025

TD Bank is unlike other issuers. They will decide if and when, and their reasoning is largely unknown.

The Red Card is the card you have because it makes sense for you to have it. You shop Target and the 5% plus discounted Circle membership makes it worthwhile. It's not one you "play the game" with.

I got my Red Card September 2022 with $500 limit and within a year was increased to $900. And then, it stayed there. For two years.

My limit was just increased to $1,100.

Capital One Savor: $8,000; Nordstrom Visa: $5,400; Mission Lane: $4,500; LOFT MC: $3,000; AAA Daily Advantage: $2,700; PenFed Power Cash Rewards: $2,000; Capital One: $550 (reallocated $2k to Savor)

Store/Other: Care Credit: $7,500; Amazon: $2.500; Kohls: $2,500; Home Depot: $1,500; Target: $1,100

yam1rts · ‎09-09-2025

Good to know, thank you for sharing.

Starting Score: 789
Current Score: 814
Goal Score: 850

Take the myFICO Fitness Challenge

PullingMeSoftly · ‎09-09-2025

I'm at 5 years, 7 months with not a single line increase ever...still at the original $2500 SL

Until a couple months ago, dw and I have kept this card active every month and I've always paid the statement balance in full. Also updated my income monthly. Yet, no dice.