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I want to apply for a target card... good or bad thing?

Valued Member

I want to apply for a target card... good or bad thing?

Hi have  two cc capital one and bank of america. not to mention my mortgage. Any way I want to see if I can get a store card. Is this a good idea?

One more thing (just in case this helps)my husband and I want to sell our current home and buy a bigger better one in June 2011.

Message 1 of 7
6 REPLIES
Contributor

Re: I want to apply for a target card... good or bad thing?

I got one with $500CL.... I find it to be terribly worthless.. I'm pissed I even have the TL now..
7/16/09 - EQ 684, TU 691

7/25/09 - EQ 682 (-2) 7th INQ did it.
8/21/09 - EQ 684 Bounced back from the Inq even though none expired. There was a new credit account opened on the same day. *shrug*
10/23/09 - EQ 691
Message 2 of 7
Super Contributor

Re: I want to apply for a target card... good or bad thing?

Target not worth it. Most of us got card with $200 CL and it never grows. Check the posts on this forum.
Message 3 of 7
Frequent Contributor

Re: I want to apply for a target card... good or bad thing?


nish129 wrote:

Hi have  two cc capital one and bank of america. not to mention my mortgage. Any way I want to see if I can get a store card. Is this a good idea?

One more thing (just in case this helps)my husband and I want to sell our current home and buy a bigger better one in June 2011.


I dont think Target would be a good way to go. Low starting TL and also I havent heard of a CLI with them so I dunno bout that but I would say Macy's would be a good way to go if you are looking at store cards.

Aim to be fiscally and physically fit...
EQ - 723 FICO as of Aug 2010
TU - 757 FICO as of Sept 2010
EX - 742 FICO as of Oct 2010 (PSECU)
Message 4 of 7
Valued Member

Re: I want to apply for a target card... good or bad thing?

Thanks I guess I will pass on Target.
Message 5 of 7
Frequent Contributor

Re: I want to apply for a target card... good or bad thing?

I think that is a good decision.. if you do go for macys- always app in store
Aim to be fiscally and physically fit...
EQ - 723 FICO as of Aug 2010
TU - 757 FICO as of Sept 2010
EX - 742 FICO as of Oct 2010 (PSECU)
Message 6 of 7
Established Contributor

Re: I want to apply for a target card... good or bad thing?

YMMV with Target. I am one of the few who did not have a bad experience with CL. However, I shop there all the time and I used it to rebuild, so it didnt matter to me what the limit was. I normally always use my debit card. I had an instant approval slip when I made a purchase with a credit card at the register. There was a little confusion when I finally decided to take them up on the offer, but I was approved for $300. Received an increase 2-3 months to $500. Then in December of last was year received a CLI to $1000.

Starting Score: EQ: 633 (12/31/09) TU: 651 (12/31/09)
Current Score: EQ:633 TU: 651
Goal Score: EQ: 700 TU:700


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Message 7 of 7