07-30-2007 11:41 PM
07-31-2007 09:35 AM
tpayne105 wrote:Just got a CLI on my Regular Target card from $200 to $500...I didn't ask.....I am surprised...
07-31-2007 02:54 PM
07-31-2007 06:06 PM
07-31-2007 06:26 PM
04-15-2009 01:09 AM - edited 04-15-2009 01:16 AM
For all you people thinking of applying:
"A FICO score of at least 543 is recommended for a higher chance of approval for the Target REDcard® Store Card, but is not required. There are a number of other factors that this issuer may also consider when making decisions for approval." - Financeglobe.com
Their information is based off 37 reviews by people who have applied. I also want to note in general that in-store credit cards can lower your credit score by up to 22 points! I highly suggest you do not mess around with them. My personal only exceptio n would be if my bill exceeds about $600, to save the approval comp of 10%. If you're new to credit or have bad history I suggest you talk to your bank. Try going to a smaller bank, such as a local credit union. However if you do find a better offer and think your chances of being accepted are high, then pay off your current balances before switching. Do not ever let your credit balance exceed over 50% of your limit, this will reflect your credit score a lot. Also never make just the minimum payment, you need to make sure you're always paying double the minimum payment or more. To be honest I feel really blessed right now. After reading some of your posts. I am only 18 with a 702 credit score.
Also while in school I am currently employed with Target. As a Target cashier we're basically required a REDcard about every other swift. Now we do not gain ANY kind of commission. My store gets about 4-20 a day.
If you have any questions or concerns please do ask.
04-15-2009 04:20 AM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.