Reply
Established Member
Nati
Posts: 20
Registered: ‎10-23-2012
0

My Success Story and a question

So after my last thread I decided to pull the trigger and get the walmart store card. I got it for the gas discount and the typical 0% on purchases over 299-499. Even tho my app said it was for the discover when I called and talked to the CSR she said it came thru as a store card app which she said was weird. Since that only works at walmart I decided to go for a 0% transfer card and appd for a chase slate card. When I called in I was shocked to hear that my CL was $400 woo hoo big spender, Well I called their credit line and told them that was not going to work for me that I had more balances to transfer than that. After a few mins on hold the CSR came back with a 5K bump

 

Before this I only had 1 credit card with a 1200 limit and 2 store cards(Macy's and saks).

 

My question is should I go ahead and get a target store card or should I not push my luck?. My reasoning is my wifey works for target and if I have a red card we get 15% off everything in the store if I use cash its only 10% and if its any other card its not discount 

Starting scores 5/29/12 via 53 identity alert
EX-676 TU-667 EQ-665
Todays scores 11/16/2012 via 53 identity alert
EX-721 TU-719 EQ-723
Valued Contributor
nicholasyud
Posts: 1,737
Registered: ‎08-13-2012
0

Re: My Success Story and a question

Go ahead if you  don't plan to purchase anything soon.

Good Luck.


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Valued Member
asp123
Posts: 47
Registered: ‎10-11-2012
0

Re: My Success Story and a question

I agree...I would give it a try!


Starting Score: 9/2012 - 609
Current Score: 11/9/2012 TU 620 11/9/2012 EQ 591
Goal Score: 700


Take the FICO Fitness Challenge




Established Contributor
SwiftTone
Posts: 1,026
Registered: ‎02-27-2012
0

Re: My Success Story and a question

You can get the debit version of the Redcard and still get the 5% off. It just debits your checking account when you swipe it. This way you can avoid another new accont and HP

BCE: $0/$11,200, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$6000, Barclays NFL: $0/$7000 Discover: $0/$12,500, Citi Dividend: $0/$3500

EQ FICO - 728
TU FICO - 734
EX FICO(AMEX) - 712
Established Member
Nati
Posts: 20
Registered: ‎10-23-2012
0

Said the heck with it and appd it got instant approval fo...

Said the heck with it and appd it got instant approval for 1k I am done now no plans to buy anything in the future I have my home only thing I would like is to get a used car but I will buy that cash more than likely 

Starting scores 5/29/12 via 53 identity alert
EX-676 TU-667 EQ-665
Todays scores 11/16/2012 via 53 identity alert
EX-721 TU-719 EQ-723
Valued Contributor
nicholasyud
Posts: 1,737
Registered: ‎08-13-2012
0

Re: Said the heck with it and appd it got instant approval fo...

[ Edited ]

Congrat Nati...... treat them right. 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: My Success Story and a question


SwiftTone wrote:

You can get the debit version of the Redcard and still get the 5% off. It just debits your checking account when you swipe it. This way you can avoid another new accont and HP


hmm learn something new everyday, this might be worth it for black friday alone =)


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Valued Contributor
Repo-ed
Posts: 2,960
Registered: ‎02-09-2012
0

Re: My Success Story and a question

nice job on CL recon!
5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}