"CLI For Addt'L $1000"
Target REDcard Visa® Review
Written by: rockin35 on 2008-04-18
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
rockin35's review: 
Hello,
I called Target Visa a few days ago and went through their automated system. My account balance is $0 and I have had this card for about 4 years now, never late, always on time. I got routed through the prompts and pressed option 2 for a Credit Line increase and within 3 seconds, it told me I was approved for a 1000 dollar increase and that my new line was $6000. I pressed 0 to go to a CSR and they confirmed this. I told the csr that surely Target Bank didnt pull a credit report that fast on me, he advised that Target Bank has their own internal scoring process, not to mention the bureaus report to them each month and vice versa, based on my internal point scale, they approved it immediately without a hard inquiry to the bureaus. I asked if they could lower my interest rate (pushin' it) and he told me to call back in May, which is when they review accounts for lowered rates!! I said awesome!! I was surprised that Target Visa was so generous. Rockin35!!
Hello,I called Target Visa a few days ago and went through their automated system. My account balance is $0 and I have had this card for about 4 years now, never late, always on time. I got routed through the prompts and pressed option 2 for a Credit Line increase and within 3 seconds, it told me I was approved for a 1000 dollar increase and that my new line was $6000. I pressed 0 to go to a CSR and they confirmed this. I told the csr that surely Target Bank didnt pull a credit report that fast on me, he advised that Target Bank has their own internal scoring process, not to mention the bureaus report to them each month and vice versa, based on my internal point scale, they approved it immediately without a hard inquiry to the bureaus. I asked if they could lower my interest rate (pushin' it) and he told me to call back in May, which is when they review accounts for lowered rates!! I said awesome!! I was surprised that Target Visa was so generous. Rockin35!!
10 Comments
Comment 1 by eric
Nice 
on 2008-04-18
Yea they are generous on the Visa cards... Not the store cards... Lol
on 2008-04-18 Yea they are generous on the Visa cards... Not the store cards... Lol
Comment 2 by hjm331
Congrats! on 2008-04-18
Nice limit! How long did it take them to upgrade you to the VISA?
on 2008-04-18 Nice limit! How long did it take them to upgrade you to the VISA?
Comment 3 by rivasglo
Cool on 2008-04-18
Nice limit... I see how that are VERY generous on the Visa and not the store card!!! I want a CL on my store card and I want it now!!! LOL psh, yeah rite!
I have the same question as HJM...
on 2008-04-18 Nice limit... I see how that are VERY generous on the Visa and not the store card!!! I want a CL on my store card and I want it now!!! LOL psh, yeah rite!I have the same question as HJM...
Comment 4 by rockin35
Upgrading To Visa on 2008-04-19
Hey Hjm331
It took 7 months for me to upgrade from the regular store card to the Visa Card. The trick is going into the retail store customer service department to do it. Do not go online and apply separately. Ususally instore approvals are instant and the internal scoring system appears to be more "friendlier" thus leanining more emphasis on your internal store card. Yes they do look at the overral credit ratings but like I said, its faster.
Good Luck!! Rockin35!
on 2008-04-19 Hey Hjm331It took 7 months for me to upgrade from the regular store card to the Visa Card. The trick is going into the retail store customer service department to do it. Do not go online and apply separately. Ususally instore approvals are instant and the internal scoring system appears to be more "friendlier" thus leanining more emphasis on your internal store card. Yes they do look at the overral credit ratings but like I said, its faster.
Good Luck!! Rockin35!
Comment 5 by meya
Demographic Peeking on 2008-04-19
I am starting to feel like target keep us in the whole according to demographic areas.
Way to go Rockin, they Visa is much better than the store card becaue they don't give us (before I canceled) an option to ask for a cli.
on 2008-04-19 I am starting to feel like target keep us in the whole according to demographic areas. Way to go Rockin, they Visa is much better than the store card becaue they don't give us (before I canceled) an option to ask for a cli.
Comment 6 by yoyo11
Wow on 2008-04-20
I love target... Can wait to get approve... Will try around Christmas time... Target... I like it...
Congrads Rockin!
on 2008-04-20 I love target... Can wait to get approve... Will try around Christmas time... Target... I like it...Congrads Rockin!
Comment 7 by rockin35
Hey Meya on 2008-04-20
I also used to work part time at Target, they are just like Macys and Walmart, during the seasonal times is when you want to apply. Say maybe around the bottom of November and mid December. More people were approved during that time for the instant instore Visa card than ever a few years back. I'm in Memphis TN, (2nd for Mid Size Cities in Chapter 13 Bankruptcy) yet the Wolfchase Target Location beat out PA/NY/ other major states for the most applications approved. Go for the Visa card, the store card is good to, but the Visa card is even better. I urge and encourge anyone to wait until November of this year to try for the Target Visa card. And I know we are in Re-hab for 6 months, so give yourself a reward and try it in November. Rockin35!
on 2008-04-20 I also used to work part time at Target, they are just like Macys and Walmart, during the seasonal times is when you want to apply. Say maybe around the bottom of November and mid December. More people were approved during that time for the instant instore Visa card than ever a few years back. I'm in Memphis TN, (2nd for Mid Size Cities in Chapter 13 Bankruptcy) yet the Wolfchase Target Location beat out PA/NY/ other major states for the most applications approved. Go for the Visa card, the store card is good to, but the Visa card is even better. I urge and encourge anyone to wait until November of this year to try for the Target Visa card. And I know we are in Re-hab for 6 months, so give yourself a reward and try it in November. Rockin35!
Comment 8 by meya
Never With Them on 2008-04-20
I just closed the account a few months ago. I refuse to open up another with them. My justice was served when I got an approval after so many denials.:)
on 2008-04-20 I just closed the account a few months ago. I refuse to open up another with them. My justice was served when I got an approval after so many denials.:)
Comment 9 by yoyo11
Meya on 2008-04-20
Be nice... As you can see most people got $200! Your not in the dark...!! I guess I'm saying if because I shop at target soooooo much.
so I forgive you for down grading my store LOL...!! (smile)
on 2008-04-20 Be nice... As you can see most people got $200! Your not in the dark...!! I guess I'm saying if because I shop at target soooooo much.so I forgive you for down grading my store LOL...!! (smile)
Comment 10 by meya
Ohhh K on 2008-04-20
I guess I will be nice! :).
... I can't help it, those no good, did me wrong, low cl offering (besides dillards) high price, 25 check out lanes with no more than 5 open at a time, never give good cli's, thin red plastic, high apr having, can't compare and scared of walmart, no good low-down and dirty store. OOOPs
Whew, I forgot, I said I will be nice, sorry YoYo, you made me have a flash back... Lol.
on 2008-04-20 I guess I will be nice! :).... I can't help it, those no good, did me wrong, low cl offering (besides dillards) high price, 25 check out lanes with no more than 5 open at a time, never give good cli's, thin red plastic, high apr having, can't compare and scared of walmart, no good low-down and dirty store. OOOPs
Whew, I forgot, I said I will be nice, sorry YoYo, you made me have a flash back... 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.
