Valued Contributor
Posts: 1,301
Registered: ‎01-14-2009

Re: Info on Target Store Card

Thanks for the info. If they actually implement a CLI process, I might finally apply for a Target credit card.

Established Member
Posts: 15
Registered: ‎10-21-2013

Re: Info on Target Store Card

This is going to be a weird question about the Target Card in this thread.


My wife has apped twice in the last 7 months.


No inquires have showed up.  Is this normally the case with Target?  I just ran her annual credit report and it didn't show up on any of them.

Regular Contributor
Posts: 174
Registered: ‎08-11-2011

Re: Info on Target Store Card



i have the Target debit card and no you don't get free shipping with it so that sucks!! 

In the Garden until July 2015! For real this time! Last HP 06/17/14

Starting Score: 530 (9/2013)
Current Score: 664 EQ (myfico) 650 TU (Barclay) 662 EXP(Lending Club)
Goal Score: 680+ all 3

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Regular Contributor
Posts: 175
Registered: ‎01-18-2011

Re: Info on Target Store Card

[ Edited ]

You didn't used to get the free shipping, but you do now. All of the perks are available to any RedCard holder.

Target Debit RedCard - Must be tied to a checking account, can only be used at Target, cash back permitted at POS like any debit card.
Target RedCard - Credit card with CL, can only be used at Target
Target Visa RedCard - Credit card with CL, can be used anywhere Visa is accepted, includes standard Visa perks

That's it. You get 5% discount on all purchases, free shipping on and an extra 30 days added to your eligible window for returns. Doesn't matter which version you have.

We just got our Target Debit RedCard last week. Like others, I didn't want to give Target my bank account info, so I set up a free online checking account (I did Cap1, but there are several options), put $300 in there, and used that account to set up the Target Debit. That way I'm shielded in terms of my primary banking accounts with USAA.

Fico Scores:
EQ - 811 (Feb '14)
TU - 829 (Mar '14)
EX - 814 (Mar '12) - Lender Pull
New Member
Posts: 5
Registered: ‎02-15-2014

Re: Info on Target Store Card

yes you get all the same perks w their debit card , i have had it for about a year .....much to my surprise i was approved for a target card for $300 !  Gonna try and control my itchy finger now and garden what i have .  

Discharged Ch 7 2/2014 and on my way with an itchy finger !
Capital One secured $200 , Capital One Platinum $500, Credit One Platinum $500 , Target $300, JCrew $250 , Fingerhut $900

EXP : 593 EQU : 593 TU: 585 EXP Plus : 626 CK : 607 CS: 621
Established Contributor
Posts: 833
Registered: ‎05-15-2013

Re: Info on Target Store Card

SunriseEarth wrote:

nursepower wrote:

I called today to threaten to cancel my card since I've had the same $500 limit since 2007. She said they are working on a program that will be rolled out in 2014 where people can request increases and the account will be sent for review. Just so people know "Apparently" CLI's are on the horizon. I kept it open and she was proud of herself but I wasn't really gonna close anyway as it's my oldest account. 

If you want a higher CL, the new approvals seem to be getting them.   People seem to have luck cancelling the old CC and getting a new one (the newer CCs started with TD Bank also seem more likely to get auto CLIs currently).  Of course, that shortens your AAoA, so it might be worth it to just wait for the CLI requests to be available. 


I was approved for $1000 this month.  I was ~689 on EQ at the time of approval. 

I hope they do start giving out CLI's. I don't think I will ever get one though, I was given $3 when I apped in May. So yes, new approved accounts seem to be getting decent limits.

My Portfolio: CapOne QS WMC - $5,750 4/2013 | Discover It $5k 1/2014 | Amex ED $4.5K 5/2014 | Barclay Sallie Mae $3K 5/2014 | Target $3K 5/2014 | Chase Disney $2K ?

Hard Pulls: EX 5 | EQ 7 | TU 4

EX 690 | EQ 690 | TU 695 July 2014 - Last Ap July 27, 2014

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