02-26-2009 07:42 AM
02-26-2009 08:02 AM
Age is age. CL does not factor.
Your account already exists so it will exist with the CRA for 10 years even if you cancel it with Target today.
02-26-2009 10:23 AM
02-26-2009 09:27 PM
02-27-2009 11:39 AM
I was approved for a $200 Target Red Card at the register when I applied, I spent $185.00 that day and they charged it to my card, I was planning on paying cash for it that day and did not know I would be applying, anyway I immediately went to customer service and paid the $185.00 of that was just charged to it. A week or so later I charged a few bucks on the card and paid it off about a week later. By the time I got my first statement they increased me to $500. However, it took about a 14 months before they would give me a second increase even though I spend alot at target during the year using my card and with perfect payments. Once they decided to increase they upp'd me to $1,000. I have been with them now for almost 2 years and hoping they will up me again soon.
02-27-2009 12:15 PM
02-27-2009 07:32 PM
Every time I type this I think about how it looks -- Target Visa is my highest limit, Amex Delta is my lowest...
Opened a Red Card in 02 w/ a 200 limit. About 2 (or three?) years later they took it to a visa w/ a 1k limit. It sat there until Feb of 08 and VOILA, auto-cli to 5k. This past October they auto-cli'd me to 7k.
Sure the IR is nasty, tho the Visa DOES have a luv button -- but I can't complain. I really do like those 10% coupons.
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.