TARGET VISA--HARD WARNING!!!!!

Discussion in 'Credit Talk' started by GEORGE, Dec 10, 2003.

  1. GEORGE

    GEORGE Well-Known Member

    THEY PULLED A COTTON PICKIN' HARD FOR A CLI!!!!

    "PRE-APPROVED"
    NO INQUIRY
    NO APPLICATION
    NO QUESTIONS

    IT HAS BEEN 18+ MONTHS WITH NO LIMIT INCREASE!!!

    DON'T THEY UNDERSTAND ENGLISH???

    IT IS IN THE SOCK DRAWER NOW!!!!!!!!!!!!!

    (EXPERIAN)
     
  2. Mirage

    Mirage Well-Known Member

    George, I'm with you. I have not gotten a CLI close to 2 years. I also put the card to some heavy use.

    Best regards,
    Mirage
     
  3. GEORGE

    GEORGE Well-Known Member

    I WILL SEND AN E-MAIL IN A BIT AND ASK THEM IF THEY UNDERSTAND ENGLISH...

    AND that I have sent the card to the SOCKDRAWER TO COLLECT LINT!!!
     
  4. Mirage

    Mirage Well-Known Member

    George, your the best! Seems Target Visa has gotten into a sub-prime mode.

    Best regards,
    Mirage
     
  5. GEORGE

    GEORGE Well-Known Member

    Their last SCAM was that their computer does an automatic CLI every 6 months "IF" it 'thinks' you deserve it...NOBODY HERE EVER GOT ONE OF THOSE "AUTOMATIC" CLI'S!!!
     
  6. Mirage

    Mirage Well-Known Member

    George, I know you pay in full every month and still no CLI. I carried a balance for most months and even came close into maxing it out and than paid it off. Target did a soft last Sept. and that's about it.

    You would think one of these approaches would trigger an automatic CLI.

    Can't remember any posters here getting a decent starting CL or a automatic CLI.

    I was going to call and asked for a CLI but not at the expense of a hard inq.

    Best regards,
    Mirage
     
  7. GEORGE

    GEORGE Well-Known Member

    Re: Re: TARGET VISA--HARD WARNING!!!!!

    $10,500 CREDIT LIMIT...($10,000 ORIGINAL INSTANT APPROVAL--12/24/2001)

    I'M NOT GOING TO LOSE 21,000-31,500 MILES ON AMEX DELTA OR 10,500 ON BANK ONE/UNITED VISA TO FIND OUT...
     
  8. GEORGE

    GEORGE Well-Known Member

    Re: Re: TARGET VISA--HARD WARNING!!!!!

    What is totally STUPID about this is that the H/H INCOME has increased more than $30,000 since the application...

    ...AND THE OUTSTANDING DEBT HAS DECREASED "TONS" OF DOLLARS
     
  9. Slee

    Slee Well-Known Member

    Re: Re: TARGET VISA--HARD WARNING!!!!!

    Prime example of UYGF:) Sorry to hear George. I say go get their ass!
     
  10. Marie

    Marie Well-Known Member

    Re: Re: TARGET VISA--HARD WARNING!!!!!

    It's easier to work the Target guest card to 1k, then take 700-800 of it and put it on the visa.. then rework up the guest card.

    It takes calling, which is dumb, but it works. I moved 700 from the guest card to the visa and I don't miss it a bit.

    no inquiry for it at all.
     
  11. sam

    sam Well-Known Member

    Re: Re: TARGET VISA--HARD WARNING!!!!!

    im not a profitable customer, i dont get an increase.

    1. pay in full
    2. use the 10% coupons

    this would make me a freeloader -10%

    lol. Thats how i figure.

    But im not paying none of that highway robbery APR!!

    i've got more 0% than i know what to do with right now and my citi is at a high of 5.9% so why throw money in the toilet.

    oh well i like the 10% off coupons. I spend $200/month there so every 6 months i get $20 off.

    im not sure if thats better than skymiles or membership rewards. bout the same.

    $1000 bucks = $20 off. Thats actually pretty good i spose n/m..
     

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