I'm mostly posting this for posterity, because I did some searching around Reddit and couldn't find my exact issue. Hoping this helps someone else.

Despite my high income and 821 credit score, My Target card has had a $600 limit for 3.5 years. I have never gotten an auto CLI, and you can't request one.

My family does most of our shopping, including groceries, at Target. In order to free up space under the limit, I have to pay the card off every 2 weeks when I get paid. However, if you make three payments in one calendar month, the last payment has a hold put on it. It takes the money out of your bank account, but doesn't free up your credit limit for several days, maybe up to a couple weeks. To get it to clear, you have to call Target customer service, then do a three-way call with your bank to prove to them that the payment came out.

All of the Target customer service is foreign, and I've never reached a level of supervisor who even fully understood the problem.

I cancelled the card. My main card gets 2% cash back everywhere, and I decided the extra 3% is not worth my dignity to be begging for CLIs or to call my bank to prove I paid my card every couple months. Not to mention the many times we've publicly had our credit card declined at Target.

I'd like to shop somewhere else, but for my family there is currently not a better option locally than Target.

Has anyone successfully gotten a credit line increase? Each month I pay off the $300 multiple times (yes I know I shop at Target a lot)... and each month I have to call and get them to release my credit line (they’ll have taken the payment and my available credit won’t reflect this). I’d like to get my credit limit increased and yet I get no where with this process. Any tips?

Hi! I'm currently pregnant with my first kid. I live within walking distance to target and it's my go to store for baby and household things (not groceries though.)

I know store cards have very high interest rate but I would be very careful to not carry a balance each month.

Is the 5% discount worth it or should I just use another card?