550 Credit score, approved with $300 limit. Works for me
Most Helpful Positive Review
Most Helpful Negative Review
Target doesn't offer a method of reviewing credit lines for increases. This card has been stuck at a $800 credit line when I have other lines at $10,000, $23,000, and $13,000. I had racked $780 in charges up in a month, paid it in full, and they've had the money held for two weeks after the payment went through with my bank. They told me that we'd have to conference call the bank to verify that it's cleared on their side before they'd release that money. It's been two weeks, how much longer do they want to hold it? My AMEX marks it as available the same day. Income levels don't appear to matter to them, and it's horrible service.
I'll give them two stars for the 5% discount and because I've had the credit card for a very long time. That's the only reason I don't close the account immediately. I wouldn't recommend this credit card to someone that doesn't already have it.
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