TD Bank Credit Card Complaint

TD Bank Credit card department,

Credit line increase/decrease New York

I have been a credit card holder at Target for more than - years. During that time I have always timely paid my bill without fail. My small credit limit of $500.00 means that every time I use the card for more than $100.00 I in effect negatively impact my credit score. I have made several requests over the last few months to have them raise my credit limit and all I am told is that they have a policy that they review accounts on an ongoing basis. However I should update my income which I did in early -, early - and the latest on - - and I would hear within 75 days only if the increase is granted. However after numerous calls I have not been notified of any increase and have received no notification that the increase was denied or for that matter even considered because no notification was ever sent. I have made several calls and no one will give me this information but they propose that as a solution to impacting my credit score I do - or - of the following:- File for a debit card and in effect give target an interest free loan. -. Pay my bill immediately after shopping in the store even though the monies are not due for weeks depending on at what point in the billing cycle I hit. Certainly target the right to deny credit to any customer that does not qualify but I would think that they also have a legal obligation to appropriately notify a customer whether or not a request for a credit increase was denied and also the reason. Frankly I feel that Targets failure it appropriately notify me is in effect a form of discrimination because this failure does not offer me the opportunity to determine if credit is being denied for an inappropriate reason and I am indeed being discriminated against.