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IMHO Target Red Card is one of the biggest waste of wallet space out there. The benefits are meh (5% off; free shipping; extra time to return items). And with your scores, a $500 CL is basically useless.
Think about apping for the Sallie Mae card (5% back on groceries/gas up to $250/month; 1% after that + 5% back $750/month at Amazon and other bookstores). They count Target/Walmart as "groceries", so you're basically get the benefit of the Red Card up to $250, and you have a fully functioning card with all the other benefits.
Without a doubt!
Thanks everyone for the Congrats and advice.
I think after my CLI's report next month, I am going to app for the Discover It & Sallie Mae as suggested. I will update any approvals. In the past I have been turned down by CapOne & Citi so many times, I really am not interested in them, although they seem like the are staples of a good score.
Congrats! Thanks for sharing.
@dodgerslv wrote:
congrats on the GE luv!!!! and in regards to the BofA 7-10 letter doesnt mean a denial. Keep checking your account every hour or so. It has happened many times with my request that i would get the same pending message and then a few hours later the new limit would be updated. You can also call the analyst right away and have them manually give you a decision. Good luck and keep us posted.
Good news! You were right! I logged in today and saw they gave me the $2500 limit I asked for! Woohoo! Kinda wish I'd asked for more now.
Congrats on all the success!
@smkkms78 wrote:I did automatic CLI requests on all my GE accounts today and was approved for all! I am super excited!
Lowes - was $1500, now $5500... nice jump!
JCP was $200, now $1700
Walmart was $2500, now $3200
Amazon was $1700, now $2300
Chevron was $900, now $1500
I called Target and they gave me some crap about having to formally submit, blah, blah, blah. I love shopping at Target but with only a $500CL, this account shoots my UTI way up when I use it.
I also did my BofA formally secured from $500 to now $1000. Good, but I was a bit disappointed, I tried for $2500 and got the 7-10 day letter notice. Ugh.
These are all store cards and the BofA is my only "real" CC. Any advice on what real credit card I should try for? I am feeling pretty good on the heels of these CLI's and am ready to go for a good card with any luck.
Congrats on all the GE LUV!