Reply
Established Member
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
Posts: 1,738
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
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
Posts: 1,040
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

AMEX: $0/$25,000, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$6000, Barclays NFL: $0/$7000 Discover: $0/$14,000, Citi Dividend: $0/$3500

EQ FICO - 728
TU FICO - 743
EX FICO(AMEX) - 712
Established Member
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
Posts: 1,738
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
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
Posts: 2,982
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!!!
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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.