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Moderator Emeritus
cheddar
Posts: 6,794
Registered: ‎09-29-2007

Re: Target or Walmart: Which one should I use??



SWISSOATL wrote:
 
Touchy subject for some i see! lol!

Well, whether it's a touchy subject or not, it's still not good to say that something in particular will happen for anybody who has the card, when it's obviously very hit or miss.
 


SWISSOATL wrote:
 
how is the overall credit?


TU 755 / EX 732 / EQ 721
 


SWISSOATL wrote:
 
how much do u spend? $100 or $150+ a month? or less?


Month 1: $84
Month 2: $255
Month 3: $136
Month 4: $64
Month 5: $222
Month 6: $0
Month 7: $98
Month 8: $71
Month 9: $49
Month 10: $113
Month 11: $166
 


SWISSOATL wrote:
 
I think it also has something to do with using credit/store cards when u first get them and pif the
first few months and show how u would use it!


I have PIF every month, and never been over the limit.
 
The Visa upgrade seems more random than anything else.
 
----------------------------
App free since 7/11/08.
TU 744 / EX 710 / EQ 694 (Starting to slip. :smileysurprised: )
New Contributor
nandrolone
Posts: 120
Registered: ‎05-05-2008

Re: Target or Walmart: Which one should I use??

im thinking of getting a store card to add to my mix of credit.
if i got target store card im gussing i would get the small 200 CL.

when they ask you to switch to the visa for a CLI wont that hurt your mix of credit cuz its no longer a store card its a visa?

im just looking to help my mix. CL for store card is not too important to me at this current time
04/01/2008 :: FAKO EX 560 05/05/2008 :: FAKO EX 685
05/05/2008 :: TU 625 :: EQ 615 :: EX 629
06/22/2008 :: TU 654 :: EQ 646 :: EX 626
Valued Contributor
mjbfan79
Posts: 1,998
Registered: ‎03-31-2008

Re: Target or Walmart: Which one should I use??

I see folks are really mad at Target what can i say they where really good to me when i had the card.

Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


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Moderator Emeritus
WhirledPeasPlease
Posts: 3,418
Registered: ‎12-27-2007

Re: Target or Walmart: Which one should I use??



mjbfan79 wrote:
I see folks are really mad at Target what can i say they where really good to me when i had the card.


Yup, other than being kind of wonky in the beginning with CLI/upgrades I can't complain -- I just earned four 10% off coupons by charging a bunch of appliances on my Target Visa.  I figure I'll need Target badly when it comes time to furnish the house with regular house stuff!
~*~*~*~*~*~*~*~*~*~*~
From 700 in 2008 to 498 in 2012...
4/23/12 -- BK 13 date of filing EQ = 505
4/18/12 -- EQ 498
12/5/13 -- EQ 669
Here we go.... back on track.
Established Contributor
Bella1980
Posts: 583
Registered: ‎06-22-2008

Re: Target or Walmart: Which one should I use??

Yeah Target took a chance on me when no-one else would and they asked for nothing in return.
 
I'm going to keep them around no matter how long my cli's take.
 
 


Starting Score: TU- 682, EQ- 698, EX- 713
Current Score: TU- 723, EQ- 747, EX- 737
Goal Score: 760 PLUS FICO's


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Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007

Re: Target or Walmart: Which one should I use??

I'm starting to think that good scores and reports actually start to count against you with Target. They probably figure that you have other options, so they're not expecting you to make them their number one card. There are a couple of others like that, unfortunately.

Again, as cheddar warned, I'm not trying to make a blanket statement. Just an observation. :smileyhappy:
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Senior Contributor
UpUpUp
Posts: 3,017
Registered: ‎06-03-2008

Re: Target or Walmart: Which one should I use??



haulingthescoreup wrote:
I'm starting to think that good scores and reports actually start to count against you with Target. They probably figure that you have other options, so they're not expecting you to make them their number one card.


I'm starting to think this could be the case as well.
Moderator Emeritus
cheddar
Posts: 6,794
Registered: ‎09-29-2007

Re: Target or Walmart: Which one should I use??



UpUpUp wrote:


haulingthescoreup wrote:
I'm starting to think that good scores and reports actually start to count against you with Target. They probably figure that you have other options, so they're not expecting you to make them their number one card.


I'm starting to think this could be the case as well.



Me three.
 
----------------------------
App free since 7/11/08.
TU 744 / EX 710 / EQ 694 (Starting to slip. :smileysurprised: )

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