Target store card potential closure letter

[whipped]

I searched the forum but didn't find anything...

 

Got a letter stating if I don't use it in a month they'll close the hefty $300 limit store card since it's inactive.

 

I've had this card for close to a year now, only used it few times and paid it off. I read somewhere TD Bank is trying to boost their card portfolio? Should I just use it, pay it off and see if they'll increase the limit or convert to their M/C?

[tmkats]

Had that happen to mine awhile ago.

 

A $300 limit with Target is useless and I never used it. They eventually chopped it to $200 then closed it.

[cv91915]

Had that happen to mine awhile ago.

 

A $300 limit with Target is useless and I never used it. They eventually chopped it to $200 then closed it.

 

 

You must go through a lot of shampoo.

[tmkats]

 

Had that happen to mine awhile ago.

 

A $300 limit with Target is useless and I never used it. They eventually chopped it to $200 then closed it.

 

 

You must go through a lot of shampoo.

 

 

My wife. She finds a lot of stuff for the kids there and it adds up quickly.

 

When she has the time and is really looking, we can get up there.

[cv91915]

 

 

Had that happen to mine awhile ago.

 

A $300 limit with Target is useless and I never used it. They eventually chopped it to $200 then closed it.

 

 

You must go through a lot of shampoo.

 

 

My wife. She finds a lot of stuff for the kids there and it adds up quickly.

 

When she has the time and is really looking, we can get up there.

 

 

Hmm. I go in with a list (let's say shampoo, ibuprofen, almond milk, paper towels, aluminum foil) and leave for under $30. It doesn't matter how long I look, I do not find things I didn't need when I went in.

[tmkats]

 

 

 

Had that happen to mine awhile ago.

 

A $300 limit with Target is useless and I never used it. They eventually chopped it to $200 then closed it.

 

 

You must go through a lot of shampoo.

 

 

My wife. She finds a lot of stuff for the kids there and it adds up quickly.

 

When she has the time and is really looking, we can get up there.

 

 

Hmm. I go in with a list (let's say shampoo, ibuprofen, almond milk, paper towels, aluminum foil) and leave for under $30. It doesn't matter how long I look, I do not find things I didn't need when I went in.

 

 

You haven't met my wife.

 

[ClaimJumper]

Target started me out at $300. I put a couple hundred a month onto it and three months later they raised it to $800, then three months later it went to $2,500, then they converted it from a store card to a Mastercard.

[discopanda]

Target has been good to me. I started last January and received a 300 limit. It went to 700, 1200 and recently 1900. I run a lot through it and during the summer I carried a balance for 3 months. I'm hoping in March they will convert to a MC. Looks like they AR every 3 billing cycle.

[Tyra]

Should I just use it, pay it off and see if they'll increase the limit or convert to their M/C?

To get the quarterly increases that they have been giving this past year it appears to help if you let it report before paying it. That seems to help trigger a cli review.

[TheVig]

Got mine last year in October. Started out at $300. This summer they converted it a MC. In a little over a year, I may have ran about a $150 thru it, thats it.

[Gypsee]

its good for the 5% off IF you shop there. My card was stuck at $500 for years and they bumped it to $700 woo hoo. Id keep it if it served a regular purpose for you, if not then let em close it. you could always ask for a cli...which they are notorious for saying they dont take requests... and if they say no, you can close it and the limit will show as $300. thats better than then choping in to a $200 limit then letting them close it imho.

[hegemony]

at least TD notified you before the fact (FWIW Comenity does this too)

[shadekitty]

I had a 200CL for years and they just recently over the past year decided it was a good thing to give me a 1500CL.

 

Target is like crack. All my other cards I PIF. Target carries a balance monthly in my household

[Chris in OK]

I got a letter too. Charged $20 and paid it off the next day.

[DeterminedinNC]

Target has been good to me. I started last January and received a 300 limit. It went to 700, 1200 and recently 1900. I run a lot through it and during the summer I carried a balance for 3 months. I'm hoping in March they will convert to a MC. Looks like they AR every 3 billing cycle.

Damn I use mine monthly max it out and PIF and it's been stuck at $300 for 2 years.... Myabe they just don't like me...

[cv91915]

I had a 200CL for years and they just recently over the past year decided it was a good thing to give me a 1500CL.

 

Target is like crack. All my other cards I PIF. Target carries a balance monthly in my household

You must buy a lot of AA batteries and dryer sheets.

[whipped]

 

Should I just use it, pay it off and see if they'll increase the limit or convert to their M/C?

To get the quarterly increases that they have been giving this past year it appears to help if you let it report before paying it. That seems to help trigger a cli review.

 

 

Maybe I'll go buy some dryer sheets. Good grief I better go super early in the morning though as I don't want to be dealing with the last minute shoppers.

[HeatFan2015]

Mine went from SL 500 in june 2015 to 2000 couple months ago. I use it every few months. I'll take the MC pc, we'll see.

Edited December 21, 2016 by HeatFan2015

[Tyra]

 

 

Should I just use it, pay it off and see if they'll increase the limit or convert to their M/C?

To get the quarterly increases that they have been giving this past year it appears to help if you let it report before paying it. That seems to help trigger a cli review.

 

 

Maybe I'll go buy some dryer sheets. Good grief I better go super early in the morning though as I don't want to be dealing with the last minute shoppers.

 

Or order online at target.com. Free shipping with your RedCard.

[cv91915]

 

 

 

Should I just use it, pay it off and see if they'll increase the limit or convert to their M/C?

 

To get the quarterly increases that they have been giving this past year it appears to help if you let it report before paying it. That seems to help trigger a cli review.

Maybe I'll go buy some dryer sheets. Good grief I better go super early in the morning though as I don't want to be dealing with the last minute shoppers.

Or order online at target.com. Free shipping with your RedCard.

Definitely order online! I love Target at Christmas time because they ship everything free. Last year I ordered one box of Ziploc bags.

 

Tomorrow I have a Target delivery coming... one bottle of ibuprofen and a bag of Plackers.

[hegemony]

Mine went from SL 500 in june 2015 to 2000 couple months ago. I use it every few months. I'll take the MC pc, we'll see.

target sells student loans?

[discopanda]

One thing too.. login to the target card site and there is a option where you can enter your annual income. Do that. I believe it even says that if you want to be considered for increases to enter the info.

[hegemony]

One thing too.. login to the target card site and there is a option where you can enter your annual income. Do that. I believe it even says that if you want to be considered for increases to enter the info.

I changed mine to 10 million bucks just to see if it makes a difference.

[discopanda]

Ha! I always just put what I can prove. No one has ever asked to see what I make except DCU but if they do I can prove it.

[bigpoppa09]

 

One thing too.. login to the target card site and there is a option where you can enter your annual income. Do that. I believe it even says that if you want to be considered for increases to enter the info.

I changed mine to 10 million bucks just to see if it makes a difference.

 

Way to go Heg that 10 Mill income will get u a $100 increase.