Hi All, This is my first post here. I have been an avid reader for some time now and decide to join in all the fun. Wanted to touch base on this topic and let you know that I have had the Target RedCard since 2.2007.
I received the "Pre-Approved" receipt like most others at a time when I could use some non-secured credit to help re-build. I still have the account and it is still at the original CL of $200. I have PIF each month since obtaining the credit and never been late or missed a payment. Being fed up with the situation I crafted this message and sent via the online mail system on target.com
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I have had this card over one year. I am aware it is your policy to not accept or process any requests for a CLI, but I would like to understand why after 12 months of history, where most payments have been in full, you are still unable to raise the credit limit or convert the account to a Target Visa Account. I can tell you that this low CL has deferred business to other retailers who for example give ample credit to loyal customers, to cite an example, Costco was kind enough to issue an AMEX with a $2000 CL, you can be sure that they have picked up what could have been some of your net revenue. Reply if you will, but please don't waste your time with generic script driven responses. If you send me a generic message I will close this account, as that would indicate you have not read my message or just don't care to earn my business. Cheers,
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Maybe this will get their attention, but I sincerely doubt it. I WAS a Target fan, they are fundamentally a good company and I wanted to support that. I have now moved over to Costco with the AMEX True Earnings Card.
I will keep you posted of any responses I receive in connection with the above. Thanks for all the great reading for the past few months.
Message Edited by CreditSuperStar on 04-04-2008 09:33 PM
So $300 - $500....