Credit Score: 830 Credit Limit: 600 Age: 45-54

Income On Application: $200000

Posted 01/04 2023

Odd credit limit. I always use my AMEX which has a $30K credit limit, but that is irrelevant since I pay the charges off every month. I guess since it's target it shouldn't matter a whole lot, but the fact that I have credit card companies begging me to take their high limit cards and target gives me a $600 limit is beyond bizarre. I probably spend $1500 a month there so I'm not sure how this is going to work out. I grabbed the card after realizing they give 5% cash back, but my AMEX gives 3-5% depending on the items so I might end up just canceling the card.

 

Credit Score: 600 Credit Limit: 300 Age: 25-34

Posted 05/03 2018

My credit score was in the 500s when I first started to rebuild. When my score reached 600, I decided to apply for the Target card as I do shop at Target. The first year so great. I loved earning the 5% cash back and go there at least once a week. I started off with a $200 credit limit and after about a year and several CLIs later, my credit was at $2,000. Frankly speaking, unless you really buy big ticket items, that credit limit was enough for my purposes.

Then I had to move and there no target near my new house. So I stopped using the card and maybe only used it for about a couple of times a year. One day, I received a mail from Target telling me that my limit has dropped back to $200! The reason they gave was that I had "too few accounts recovered from delinquency". I felt this was strange and checked my report and it turns out that there was nothing in it.

I then called CSR and after pressing them with the issue, the guy on the phone told me that I had not been using my card enough. If that is the case, why didn't they just come out and say so. I have since cancelled my card since I do not use it anymore.

The card was ok and like I said, I enjoyed the 5% rewards and that I get free shipping if I order online. But this was not the way to treat a customer.

 

Credit Score: 755 Credit Limit: 500 Age: 35-44

Income On Application: $80000

Posted 01/14 2017

Pros:
5% off
free online shipping

Cons:
I have not got an increase for ages. I was given an initial credit of $500 (which is really pathetic considering my score is in the mid 700s). Got it increased to $700. But the way I shop is that I go to Target once in a while and binge shop. For the credit limit really limits the 5% cash back that I can get.

 

Credit Score: 635 Credit Limit: 300 Age: 45-54

Income On Application: $70000

Posted 12/04 2016

I got a very small limit of $300. Though my score was 635 when I got the card, I had other cards like Cap One which gave me at least $1500 in credit lines. I have not gotten any credit increase since then. All I would say is that it is probably not worth getting this card because even though you can save 5%, the low limits prevent you from saving that much anyway.

 

Credit Score: 575 Credit Limit: 250 Age: 18-24

Approved 1 year after Bankruptcy

Posted 09/19 2015

Target actually approved my application after my BK (1 year). So I was really grateful. The initial limit was $250 but who was I to complain. Fast forward 6 years later and my limit is still $250. In the meantime, I have a couple of other store cards and unsecured cards as well. Most of my credit lines are about $2k to $3k.

I do not really shop a lot at Target and I feel like canceling my since the credit limit is so low compared to my other cards. The only thing that is holding me back is the fact that this is the card with the longest credit history since my BK.

 

Credit Score: 590 Credit Limit: 200 Age: 45-54

Approved 2 years after Bankruptcy

Posted 04/30 2015

Applied for this card 2 years after BK when my score was about 590 (quite close to 600). Credit limit was $200 (which I did not mind). I tend to spend a little on the card (since I go to target at least once or twice a month. I make sure I pay it off in full every month.

 

Credit Score: 646 Credit Limit: 300 Age: 25-34

Posted 01/20 2015

They have decent deals at the store. I actually do not mind the low credit limit as it prevents me from going overboard. Nevertheless, they still increased my limit twice and now I have a $1,500 limit! Most of the time, I spend about $200 a month at Target so that is plenty for me.

 

Credit Score: 735 Credit Limit: 500 Age: 45-54

Posted 07/08 2014

I don't really shop a lot at Target. But their cashiers keep pushing this card and I finally got one. Credit limit was ridiculously low. Seems like this is a recurring theme here and elsewhere.