How To Increase Target Red Credit Limit? (2022)

Last Updated: Nov 15, 2022

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The Target Red credit card is provided in partnership with TD Bank. Target Redcard account holders who maintain a consistently positive account status will be eligible for a limit increase on their cards. This can be done automatically, or initiated by the account holder if they wish to speed up the process.

How You Can Increase The Target Red Credit Limit?

Target Red provides their credit line in conjunction with TD bank. They will regularly review your existing credit line once you have a Target Red credit line for at least 3 months. The Target Redcard can be used in Target’s stores and on their website.  

Account holders who want to increase their Target Redcard limits can do so by either requesting an increase directly, or the limit is automatically updated due to in-house approval requirements being met.

You can call customer service at (800) 659-2396, or (800) 424-6888 to request the credit limit increase directly or inquire into your current eligibility status.

What is Target Red Credit?

Target Redcard is a credit card affording account holders a reusable line of credit with the option to either pay immediately, or overtime. The card also includes a 5% discount on all purchases at Target and requires no annual fee.

Target Red Credit is offered by TD Bank, approval requires a “hard” pull background check. TD Bank would review and consider the following requirements before the Target Red Credit application can be approved:

  • Credit score (minimum 700),
  • Total income after taxes,
  • Employment status, and
  • Credit history.

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How To Improve Credit Increase Chances For Target Red?

If you are actively seeking ways to improve your chances of being afforded the option to increase your Target Red credit limit you can try doing the following:

  • Consistently pay your minimum outstanding balance on time.
  • Review your credit reports regularly to ensure you maintain a strong credit score.
  • Monitor your debt to credit ratio, ensure you aren’t overextended with credit obligations.
  • Keep your Target Redcard account up to date.

Bottom Line

Target Red credit increases are generally approved if applicants possess a credit score above 700. Consumers who  ensure a consistently good credit score are noted to have higher approval rates amongst other applicants. Consumers can further enhance their chances by using credit specialists like Credit Sage to help navigate the consumer's journey to their optimal credit rating.

Looking for help with Credit Score For Target Red Card Credit Limit Increase?

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