"No Rhyme Or Reason...."
Target REDcard® Store Card Review
Written by: deedee on 2007-08-30
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
deedee's review: 
I have had this card since 2005, started with $200 limit and I have had no limit increase. I have paid on time every month. I even tried to get my limit raised, and was denied. Don't know why. The only good thing with Target card is their online service and you can set up Auto Pay. At this same time I got the Target, I got a Wal-Mart, starting with $100, and since I have been increased to $1025. I also got an Eddie Bauer, started with $250, and I was just increased to $1260. I got a Best Buy, started with $1200, just increased to $1600 (I had to ask for it, but I was immediately increased online). Is it the more you use the card, the more likely they are willing to increase you? Target seems stingy to me. Orchard is a good card for increases if you pay on time. I started in 2004 with $750 and I now have $1350. That was my first card since 1998, when I had a Capital One but had to C/O due to divorce. I did not think I would be able to get another CC but Orchard gave me another chance. I now have a Citi Dividend Platinum Select (started with $2300, raised to $2900 in 3 mos) and a Discover ($3K). Both were surprises! I applied for the Discover after reading a post on this site. The person said their score was way lower than what was being shown, so I tried and got approved! Yeah! My scores are low 600-670. So with patience, you can re-build too! BTW, I love this site! It is comforting to hear other people with the same issues as me! I thought I was the only one with not perfect credit!
I have had this card since 2005, started with $200 limit and I have had no limit increase. I have paid on time every month. I even tried to get my limit raised, and was denied. Don't know why. The only good thing with Target card is their online service and you can set up Auto Pay. At this same time I got the Target, I got a Wal-Mart, starting with $100, and since I have been increased to $1025. I also got an Eddie Bauer, started with $250, and I was just increased to $1260. I got a Best Buy, started with $1200, just increased to $1600 (I had to ask for it, but I was immediately increased online). Is it the more you use the card, the more likely they are willing to increase you? Target seems stingy to me. Orchard is a good card for increases if you pay on time. I started in 2004 with $750 and I now have $1350. That was my first card since 1998, when I had a Capital One but had to C/O due to divorce. I did not think I would be able to get another CC but Orchard gave me another chance. I now have a Citi Dividend Platinum Select (started with $2300, raised to $2900 in 3 mos) and a Discover ($3K). Both were surprises! I applied for the Discover after reading a post on this site. The person said their score was way lower than what was being shown, so I tried and got approved! Yeah! My scores are low 600-670. So with patience, you can re-build too! BTW, I love this site! It is comforting to hear other people with the same issues as me! I thought I was the only one with not perfect credit!
6 Comments
Comment 1 by dee
RE: Deedee 
on 2007-08-30
Welcome to the site. there are lots of good people hear with knowledge.
on 2007-08-30 Welcome to the site. there are lots of good people hear with knowledge. Comment 2 by meya
Re; Deedee And Dee on 2007-08-30
Ohhhhh, we got two dee's here! I was wondering why the first review sounded slight different from Dee... Lol. Thanks for your reply dee, I would have never caught on until you gave her a welcome. Welcome aboard Deedee, you will love us here, please feel free to sign up but make sure you use the same name that you post reviews with.
on 2007-08-30 Ohhhhh, we got two dee's here! I was wondering why the first review sounded slight different from Dee... Lol. Thanks for your reply dee, I would have never caught on until you gave her a welcome. Welcome aboard Deedee, you will love us here, please feel free to sign up but make sure you use the same name that you post reviews with. Comment 3 by anonymous
Re: No Rhyme Or Reason-- By DeeDee on 2007-08-30
DeeDee I hear you with this one. I've had this card since 2001 and for the past six years I've had to same credit limit ($600.00). I have used the heck out of this card, paid the balance in full and used it again. I've asked for a limit increase at least 5 times within the six years and have been declined every time. I have also been able to obtain at least 10 other credit cards during this time with limits ranging from $1K to $10K. I finally gave up this past year and quit using the card entirely but then wouldn't you believe it, I got a letter in the mail saying that I was automatically being upgraded to a Target Visa with a credit limit of $1K. I'll take the Visa but I still won't use the card. I believe the interest rate is somewhere around 20%.
on 2007-08-30 DeeDee I hear you with this one. I've had this card since 2001 and for the past six years I've had to same credit limit ($600.00). I have used the heck out of this card, paid the balance in full and used it again. I've asked for a limit increase at least 5 times within the six years and have been declined every time. I have also been able to obtain at least 10 other credit cards during this time with limits ranging from $1K to $10K. I finally gave up this past year and quit using the card entirely but then wouldn't you believe it, I got a letter in the mail saying that I was automatically being upgraded to a Target Visa with a credit limit of $1K. I'll take the Visa but I still won't use the card. I believe the interest rate is somewhere around 20%. Comment 4 by deedee
RE: Dee on 2007-08-30
Thanks Dee! Actually, I have been coming to this site for awhile now! Check out my last post for Target, on 11/21/06... I posted it under "Dee"... My nickname, hehe. As you can see, I am not a fan of Target! Do you sense bitterness???!! Anyway, there are too many other good cards, but to those who have had good experience with Target, way to go! Mine is paid off and collecting dust in my wallet! I am only keeping it b/c I actually like the card design!!!
on 2007-08-30 Thanks Dee! Actually, I have been coming to this site for awhile now! Check out my last post for Target, on 11/21/06... I posted it under "Dee"... My nickname, hehe. As you can see, I am not a fan of Target! Do you sense bitterness???!! Anyway, there are too many other good cards, but to those who have had good experience with Target, way to go! Mine is paid off and collecting dust in my wallet! I am only keeping it b/c I actually like the card design!!! Comment 5 by eric
Re: DEE on 2007-08-31
I don't know why they arent giving you increases Dee. Ive had my card for about 8 or 9 months and they have already increased me to $1k of course my wife uses it every month but we don't always pay the bal in full either. BTW ppl you don't have to pay in full every month to have good credit but credit utilization is the key! Eric
on 2007-08-31 I don't know why they arent giving you increases Dee. Ive had my card for about 8 or 9 months and they have already increased me to $1k of course my wife uses it every month but we don't always pay the bal in full either. BTW ppl you don't have to pay in full every month to have good credit but credit utilization is the key! EricComment 6 by brammy
Re Eric on 2007-08-31
I just PIF every month on store cards cause I refuse to pay 20+ % interest... LOL!
on 2007-08-31 I just PIF every month on store cards cause I refuse to pay 20+ % interest... LOL!
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Disclaimer: This content is not provided by Target National Bank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Target National Bank. Review content is powered by Finance Globe.
