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Discussion in 'Credit Talk' started by lisa, Sep 12, 2000.
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I'm not sure who they use or the score, but I received one online in June with $200.00 credit limit, and I have bad credit. I made 3 payments larger then the minimum due ontime, and after only 3 payments they raised my credit limit to $500.00. I was pleasantly suprised.
It is more common than not, to get a $200 starting limit. This is true both online and with in-store instant credit.
They are issued through Retailers National Bank in Minneapolis.
Forgot to add: they use Experian.
I got a target card in May of 1999, never paid late and never went over the limit. I still have a $200 limit. Although, I never asked for an increase.
I just got approved with a $200 limit. I was declined only a few months ago. I guess 6 months does make a big difference. Thanks for the tip. I LOVE this board!