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Target RedCard

Established Contributor

Re: Target RedCard


CS800 wrote:

stan_the_man wrote:

I apped in store and received a $2,500 limit on the store card -- so, not everyone gets toy limits.

 

$2,500 is $2,250 more than I'd ever spend in a single Target trip or day.


What was your score at the time?


I'm not sure of the date, or which bureau and version they use, but all my Fico scores are between 780 and 815.

Message 31 of 43
Super Contributor

Re: Target RedCard


stan_the_man wrote:

CS800 wrote:

stan_the_man wrote:

I apped in store and received a $2,500 limit on the store card -- so, not everyone gets toy limits.

 

$2,500 is $2,250 more than I'd ever spend in a single Target trip or day.


What was your score at the time?


I'm not sure of the date, or which bureau and version they use, but all my Fico scores are between 780 and 815.


Then that definitely played a good part in your initial CL. But again I have heard of FICO's in the 700's getting CL of $500




Message 32 of 43
Regular Contributor

Re: Target RedCard


CS800 wrote:

stan_the_man wrote:

CS800 wrote:

stan_the_man wrote:

I apped in store and received a $2,500 limit on the store card -- so, not everyone gets toy limits.

 

$2,500 is $2,250 more than I'd ever spend in a single Target trip or day.


What was your score at the time?


I'm not sure of the date, or which bureau and version they use, but all my Fico scores are between 780 and 815.


Then that definitely played a good part in your initial CL. But again I have heard of FICO's in the 700's getting CL of $500


i didnt even get 500 i got 300 and my fico score is 730 

look at my other approvals recently 

My Cards
BBVA/Compass 2/12 $ 5000 ----- Chase Freedom 12/10 $3000 ---- Cabela's 1/12 $3000 -----US Bank FlexPerks Cash Rewards 6/11 $3000 ----Walmart Discover 10/11 $2814 ------ Discover More 11/11 $2500 ----- Amazon Store Card 2/11 $2100---- Amex Zync 4/11 ---- Citi Dividend Platinum Select 3/11 $1950 ---- BofA Cash Rewards 12/11 $1000
Message 33 of 43
Established Contributor

Re: Target RedCard


brian2220 wrote:

CS800 wrote:

Then that definitely played a good part in your initial CL. But again I have heard of FICO's in the 700's getting CL of $500


i didnt even get 500 i got 300 and my fico score is 730 


 

If you're using the card for the 5% discount, even $300 should be enough for most purchase needs.

Message 34 of 43
Established Contributor

Re: Target RedCard


Mickey11 wrote:
What is the difference between the RedCard and the store card?


None.  They're the same.

Message 35 of 43
Established Contributor

Re: Target RedCard


stan_the_man wrote:

CS800 wrote:

stan_the_man wrote:

I apped in store and received a $2,500 limit on the store card -- so, not everyone gets toy limits.

 

$2,500 is $2,250 more than I'd ever spend in a single Target trip or day.


What was your score at the time?


I'm not sure of the date, or which bureau and version they use, but all my Fico scores are between 780 and 815.


2,500 is kinda of a toy limit for an 815 credit score, no?

Message 36 of 43
Established Contributor

Re: Target RedCard


learnin113 wrote:

stan_the_man wrote:

CS800 wrote:

stan_the_man wrote:

I apped in store and received a $2,500 limit on the store card -- so, not everyone gets toy limits.

 

$2,500 is $2,250 more than I'd ever spend in a single Target trip or day.


What was your score at the time?


I'm not sure of the date, or which bureau and version they use, but all my Fico scores are between 780 and 815.


2,500 is kinda of a toy limit for an 815 credit score, no?


Normally, $2,500 is a joke; however, for Target I don't care. I just want the 5% discount -- make a payment for the purchase as soon as I get home.

 

I really have no clue what I'd spend more than $300 on at Target at any given time.

 

EDIT: $300 is more than twice our average Target spend.

Message 37 of 43
Valued Contributor

Re: Target RedCard


CS800 wrote:

RockinRay wrote:

CS800 wrote:

RockinRay wrote:

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 what's your sales tax in MN?


We have 7.25% tax here......


You have tax on groceries?


No tax on groceries or clothing. Thank goodness for that! But, I am sure some day it will come. MN loves to tax you to death!

Ray

** Every Card has a Job, and Every Card does its Job **
Message 38 of 43
Regular Contributor

Re: Target RedCard


CS800 wrote:

tjmmp56 wrote:

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%. 


How are they on recon?

 

What about CLI's are they HP or SP?


She was approved for the small line when her scores were lower and I haven't applied, so we don't have any experience with the recon department.  You can't request CLI online, you have to call.  Everytime she's called for an increase she gets the scripted, "We are not offering any increases at this time....however we perioudically review accounts for increases".  So no pull has even been done. 


Starting Score: 7/12/11 TU 584 EQ 541
Current Score: 05/12 TU 688 TU (WM) 716 EQ 683
Goal Score: 720

Take the FICO Fitness Challenge
Message 39 of 43
Regular Contributor

Re: Target RedCard


laz98 wrote:

I thought I would never get anything above my lame $200 limit!  But I knew I would be shopping there, so I wasn't going to close the card.  Now it's at $2050.  Not bad, I don't think.  I'm hoping to get another CLI before summer.  All the CLIs I have gotten (2-3) have been automatic.


Would you mind sharing what your spending/payment habits were like? Also what were your scores at the time you app'd? Thanks Smiley Happy


Starting Score: TU 660 EQ 623 EX 644
Current Score: TU 670 EQ 683 EX ???
Goal Score: 700 on all 3

Freedom: $3k, CSP: $5k, Chase Disney Premier: $5k, AmEx Zync: NPSL, Cap1 NH: $750, Cap1 Plat: $750, USC CU: $500
Message 40 of 43