Target Guest Credit Card
Author: DeesDilemma
Posted: Mon Mar 21, 2005 5:42 pm
Post subject: Target Guest Credit Card
Hi, I'm new here and have been trying to post this message forever! I hope it works this time.
Was just wondering if anyone with these cards has received a credit line increase after the 6 months? I have paid on time every month and stayed within my credit limits.
I have poor credit, but I'm trying to get some good credit going to counter the bad while I try to clear up the bad stuff.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: Board Monitor
Posted: Tue Mar 22, 2005 9:37 am
Post subject: Target Guest Credit Card
Thanks for your post and welcome to the board! Have you called and requested a limit increase. You might get some good tips in our consumer reviews section here:
http://www.cardratings.com/cardreviewfr.html
Out of curiosity, how did you find out about our website?
_________________
Best Regards,
Curtis Arnold
Board Monitor
http://www.cardratings.com
(501) 663-0314
Author: cled
Posted: Sat Apr 02, 2005 11:41 pm
Post subject: Target Guest Credit Card
Was just wondering if anyone with these cards has received a credit line increase after the 6 months? I have paid on time every month and stayed within my credit limits.
unfortunately, i had called up to close the account after use of just about a month-
Author: karen46
Posted: Tue Apr 05, 2005 2:02 am
Post subject: Target Guest Credit Card
I received an Orchard Mastercard with a $750 limit back in February and was told I would be elidigable for a credit limit increase after 6 months. They used Experian. At the same time I had also applied for a Chase Cashbuilder Platinum and was approved for a $2000 limit. They used TU. Whats odd is my Exp score at the time was about the same as TU according to Credit Keeper. (647 at the time)
Ive read on posts that Orchard gives decent CLI's and Chase is stingy. As soon as I find out something I will post.
I also applied for the Target card in February and received a $200 limit. They used EQU and for some reason is my lowest score. I was told they would review for a CLI after 6 months and possibly the Target Visa. Again as soon as I find out something I will post.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: rhwbullhead
Posted: Tue Apr 05, 2005 5:07 am
Post subject: Target Guest Credit Card
I orginally received a $300 limit with Orchard Bank. After a few months, I asked for an increase. The only thing they were willing to do was give me a $100 increase for a fee. I didn't do it at first, but a few weeks later, I decided to do so to make the card more useable for me. After about a year, they gave me a free increase to $600. At around the year and a half mark (about a month ago) I got another bump to $800.
Paying for an increase is probably a bad idea. I only felt it was good for me at the time because I was maxing out the $300 limit to easily so I was forced to use another card. If you want an automatic limit increase, I would suggest charging as much as you can (up to the limit) and paying if it off every month. They should then realize that you need an increase. Sadly, the best way to get them to increase, though, is to carry a balance for a few cycles. I've had to do that this year, and that's how I got the last $200 increase. The increase from $400 to $600, though, was made when I was just paying the card off every month.
Posted: Mon Mar 21, 2005 5:42 pm
Post subject: Target Guest Credit Card
Hi, I'm new here and have been trying to post this message forever! I hope it works this time.
Was just wondering if anyone with these cards has received a credit line increase after the 6 months? I have paid on time every month and stayed within my credit limits.
I have poor credit, but I'm trying to get some good credit going to counter the bad while I try to clear up the bad stuff.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: Board Monitor
Posted: Tue Mar 22, 2005 9:37 am
Post subject: Target Guest Credit Card
Thanks for your post and welcome to the board! Have you called and requested a limit increase. You might get some good tips in our consumer reviews section here:
http://www.cardratings.com/cardreviewfr.html
Out of curiosity, how did you find out about our website?
_________________
Best Regards,
Curtis Arnold
Board Monitor
http://www.cardratings.com
(501) 663-0314
Author: cled
Posted: Sat Apr 02, 2005 11:41 pm
Post subject: Target Guest Credit Card
Was just wondering if anyone with these cards has received a credit line increase after the 6 months? I have paid on time every month and stayed within my credit limits.
unfortunately, i had called up to close the account after use of just about a month-
Author: karen46
Posted: Tue Apr 05, 2005 2:02 am
Post subject: Target Guest Credit Card
I received an Orchard Mastercard with a $750 limit back in February and was told I would be elidigable for a credit limit increase after 6 months. They used Experian. At the same time I had also applied for a Chase Cashbuilder Platinum and was approved for a $2000 limit. They used TU. Whats odd is my Exp score at the time was about the same as TU according to Credit Keeper. (647 at the time)
Ive read on posts that Orchard gives decent CLI's and Chase is stingy. As soon as I find out something I will post.
I also applied for the Target card in February and received a $200 limit. They used EQU and for some reason is my lowest score. I was told they would review for a CLI after 6 months and possibly the Target Visa. Again as soon as I find out something I will post.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: rhwbullhead
Posted: Tue Apr 05, 2005 5:07 am
Post subject: Target Guest Credit Card
I orginally received a $300 limit with Orchard Bank. After a few months, I asked for an increase. The only thing they were willing to do was give me a $100 increase for a fee. I didn't do it at first, but a few weeks later, I decided to do so to make the card more useable for me. After about a year, they gave me a free increase to $600. At around the year and a half mark (about a month ago) I got another bump to $800.
Paying for an increase is probably a bad idea. I only felt it was good for me at the time because I was maxing out the $300 limit to easily so I was forced to use another card. If you want an automatic limit increase, I would suggest charging as much as you can (up to the limit) and paying if it off every month. They should then realize that you need an increase. Sadly, the best way to get them to increase, though, is to carry a balance for a few cycles. I've had to do that this year, and that's how I got the last $200 increase. The increase from $400 to $600, though, was made when I was just paying the card off every month.
posted by CardRatings.com at 11:22 AM
0 Comments:
Post a Comment
<< Home