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Valued Contributor
RockinRay
Posts: 1,939
Registered: ‎08-13-2007

Re: Target RedCard

[ Edited ]

Juan123 wrote:

do you permanatly get 5% off or is it only the day you get the card?


Every time you shop there. And the pharm discounts are cool too. Refill 5, get a cert in the mail for an addittional 5% off for a full day shopping there.

 

You really cannot beat the 5% at the register. We combine coupons and buy sale items and have saved some big money.

Ray

** Every Card has a Job, and Every Card does its Job **

Frequent Contributor
Juan123
Posts: 496
Registered: ‎04-16-2011

Re: Target RedCard

hmm.. then maybe it is a good idea... too bad they give (usually) low limits =/ i love target. go there weekly.


Starting Score: 575 (As Of Early 2011)
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Valued Contributor
RockinRay
Posts: 1,939
Registered: ‎08-13-2007

Re: Target RedCard


Juan123 wrote:

hmm.. then maybe it is a good idea... too bad they give (usually) low limits =/ i love target. go there weekly.


Well you could cold app and see what happens or try my trick that I stated earlier. That worked and I now have that nice $2500 line...

Ray

** Every Card has a Job, and Every Card does its Job **

Frequent Contributor
Mike360
Posts: 433
Registered: ‎03-19-2010

Re: Target RedCard

everytime i hear about someone getting a target card it's usually $200CL. I got mine 3 years ago with a EQ Fico of 713 at the time of app. No increase in 3 years and it's a waste to ask. they are worse then capital one on limits and increases.

~~In my wallet: Best Buy $7500, Dell Preferred $5500, Discover IT $4000, Chase Freedom $3500, Barclays NFL Extra Points $3300, Sears $2800, Bill Me Later $2100, CapOne Platinum $2000, Kohls $1500, Target $200
Established Member
LEXiiON
Posts: 19
Registered: ‎05-25-2010

Re: Target RedCard

DW got one last year. Inital CL $1K. She has Autopay for the full amount. After 6 month Auto-CLI to $1.5K, this months Auto-CLI to $2.2K. Can't complain.

LEXiiON


Starting Score: 703
Current Score: 719
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JusdoNit
Posts: 921
Registered: ‎12-10-2011

Re: Target RedCard

It sure is nice to read about some Target love.   Mines will come (smile)


Starting Score: 722
Current Score: Now 687 what the hockey sticks...from a 784 (Aug 12 EX 751 EQ Fico)
Goal Score: 800

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Established Contributor
lithium78
Posts: 929
Registered: ‎07-30-2011

Re: Target RedCard

5% off is pretty good for any credit card. There's no tax on clothing in NJ, so I cleaned up on black Friday this past year.

Starting Score: TU: 566
Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
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Regular Contributor
tjmmp56
Posts: 197
Registered: ‎03-14-2011

Re: Target RedCard

Personally, my DW's card has been stuck at $200 for a few years.  But lately I've read on the board about opening lines being much better.  And if you shop there frequently, then it might be a good card for the 5%. 


Starting Score: 7/12/11 TU 584 EQ 541
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Senior Contributor
Wolf3
Posts: 3,198
Registered: ‎01-24-2010

Re: Target RedCard


Mickey11 wrote:
So my DW and I were in Target the other day and the RedCard caught our attention....the 5% off seems like a very nice deal. We plan to PIF of course because it's the only way we stay above water! I've done some searching on. The boards and google and I'm not exactly sure what is still offered by Target...do they still offer the Visa CC or do they only offer the store card now? Thanks! Also any personal experiences/opinions are welcome!

Very happy with Target.  5% all the time is a good discount, IMO.    They gave me $1K limit.  They stopped offering VISA about 2 years ago. 

Established Contributor
2NE1
Posts: 996
Registered: ‎12-06-2011

Re: Target RedCard

[ Edited ]

RockinRay wrote:

Juan123 wrote:

hmm.. then maybe it is a good idea... too bad they give (usually) low limits =/ i love target. go there weekly.


Well you could cold app and see what happens or try my trick that I stated earlier. That worked and I now have that nice $2500 line...


that's a nice strategy... I was originally planning to do this so I could be approved for their store card since my scores aren't that well at the moment... I do shop there a lot since I already have 10% off employee discount from a family member :smileyvery-happy:


Starting Score: 486 EQ, 529 TU, 518 EX 12/6/2011 (FICOS - lender pull)
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