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so it takes target forever to clear the pending transactions and it eats into the credit available. even though i don't have the credit available, can i order something since i found out that it takes target a bit to even send the items and charge the card? I was thinking that by the time target charges my card for the item, the pending charges would have fallen off, but im unsure of this. any target experts? thanks
I haven't noticed any longer delays than normal clearing pending transactions and for me they usually go to approve the card at time of order.
@rostrow416 wrote:I haven't noticed any longer delays than normal clearing pending transactions and for me they usually go to approve the card at time of order.
thank you. do you know if i'm able to prepay the credit card and they'll free up credit line that way?
@Loquat wrote:
Most merchants will place an authorization hold at the time the order is placed which will cause your card to decline if the credit isn’t available.
As for prepaying a card, I’m not sure if this is possible with the Target card and the only lender I know that does allow for such is Amex. I’m sure there may be others but that is the only one I’m familiar with.
And with Amex I will add that the prepayment would have to be pushed from your bank account as their system won’t allow for such.
thank you very much!!!!!
@Anonymous wrote:
@rostrow416 wrote:I haven't noticed any longer delays than normal clearing pending transactions and for me they usually go to approve the card at time of order.
thank you. do you know if i'm able to prepay the credit card and they'll free up credit line that way?
What's your cl?
Maybe calling this number could help, might get you considered (?) for an increase depending on certain factors like cl vs balance, income, overall spend. Idk for sure but they have a section concerning cl (below) and a number to call.
Q: Who can I contact with questions about my credit limit?
A: Please call 1-800-424-6888
@Anonymous wrote:
@rostrow416 wrote:I haven't noticed any longer delays than normal clearing pending transactions and for me they usually go to approve the card at time of order.
thank you. do you know if i'm able to prepay the credit card and they'll free up credit line that way?
Yes you can prepay, i do it all the time. a payment will register in your available credit the next day.
Does requesting a credit limit increase for the target credit card result in a hard pull?
@Anonymous wrote:Does requesting a credit limit increase for the target credit card result in a hard pull?
I don't believe you can request a CLI for the target card. Had mine 6 years. They increase as they see fit.
@Anonymous wrote:Does requesting a credit limit increase for the target credit card result in a hard pull?
That isn't an option @Anonymous.
Auto-CLIs are a hit or miss for a variety of accounts/profiles. Some have not received any for years while others get them periodically.
Also, the MC is by invitation, not something that can be requested.