Target Store Credit Card

[Anonymous]

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@Anonymous wrote:

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@Creditaddict wrote:

I have always had horrible limits with them but I have never been declined... and INQ were never an issue in the past but I have see a "LOT" of posts lately that they have gotten REALLY sensitive to INQ which doesn't make sense to me at all... I have 4 cards with them. $300, $200, $200, $1500.  The $1500 started at $200 up to $1000, and then just recently the increase to $1500... this was my 3rd card and the only one I have seen get an increase EVER.

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How did you end up with 4 cards?

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Was this a close it and reopen later scenario?

I have been stuck at $200 since I opened it... Although I do like the 5% off

[NikJ4]

I got my card on a fluke....just got a pre-approved receipt and called and was given $200 CL...got increased to $500 then stuck

[Tommy5746]

Do you guys think Target or Walmart is a better card? I hear that the walmart card gives you your fico score free every month? Is this true? If so I would say the walmart card is a much better deal.. Please chime in!

[911gt34life]

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@Tommy5746 wrote:

Do you guys think Target or Walmart is a better card? I hear that the walmart card gives you your fico score free every month? Is this true? If so I would say the walmart card is a much better deal.. Please chime in!

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Walmart because free fico score plus you get CLI in the other hand target sucks because it dont give cli only in full moon. on my target card i been in 300 for long time they don't care even if you have 800 fico score it sad place.

[Mike360]

Don't bother unless you do alot of major shopping @ Target. Most of the stuff there is overpriced so the 5% doesn't help that much.

i got one like 4 years ago @ $300CL and it hasn't moved a inch. If you look at whogavemecredit 9 out of 10 ppl there are getting very low limits $200-$500

[laz98]

I have a Target card & a Walmart card.  We do almost all of our shopping at Target.  We never really shop at Walmart; we just use the card to pay for gas.

[daneatreia]

I have both. I was approved with a 584 fico in December they pulled equifax. Low limit but I do all my shopping there and I use the discount them pif at customer service on the way out.

[JustMe77]

Get the Wal-Mart card, and open a Target debit card. You get the same 5% off but no HP.

[Creditaddict]

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@Anonymous wrote:

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@Creditaddict wrote:

I have always had horrible limits with them but I have never been declined... and INQ were never an issue in the past but I have see a "LOT" of posts lately that they have gotten REALLY sensitive to INQ which doesn't make sense to me at all... I have 4 cards with them. $300, $200, $200, $1500.  The $1500 started at $200 up to $1000, and then just recently the increase to $1500... this was my 3rd card and the only one I have seen get an increase EVER.

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How did you end up with 4 cards?

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It kind of became a joke... After getting the 2nd one I didn't really think you could have multiple cards and then one day I was spending about $197 on some furniture thing and I was like sure I'll open a new account and save the 10% or whatever they use to offer before switching to the 5% all time and it came back instant for $200... Like month or two later was spending about $200 again and was like sure and boom approved again....

I have never closed any of them at any time and they have always been at $0 when I filed for BK so they were never included and they never closed them.

I just use the one now that has the $1500 limit....