topic Re: Target Redcard Approved in Credit Card Approvals

Target Redcard Approved

Anonymous — Tue, 18 Jul 2017 00:46:04 GMT

Approved for the Target Redcard with a massive $300 CL. Haven't gotten any alerts, but I think they pulled EQ. Initially got the 7-10 day message online, called and was told just needed some verification and I was approved. Kind of hard to take advantage of the 5% discount with such a small CL. Hopefully after 6 months of purchases and PIF, it will grow. Now off to the garden for a few months before I go after the USAA Limitless!

Re: Target Redcard Approved

Anonymous — Tue, 18 Jul 2017 02:29:15 GMT

Congrats! dont worry it will grow. mine went from $300 to $700 to $1200 in 6 months. with my scores. leave a small balance every now and then, and update your income on their site. when you update your income, you will be up for a cli review.

Re: Target Redcard Approved

CountryLivin — Tue, 18 Jul 2017 04:42:50 GMT

@Anonymous wrote:
Approved for the Target Redcard with a massive $300 CL. Haven't gotten any alerts, but I think they pulled EQ. Initially got the 7-10 day message online, called and was told just needed some verification and I was approved. Kind of hard to take advantage of the 5% discount with such a small CL. Hopefully after 6 months of purchases and PIF, it will grow. Now off to the garden for a few months before I go after the USAA Limitless!

Congratulations! Take care of that card and it will grow! Mine started at $250 and it is now at $2200 and it is only one year and 2 months old. All increases were Auto CLI.

Re: Target Redcard Approved

Anonymous — Tue, 18 Jul 2017 18:44:21 GMT

Congratulations on your approval.

Re: Target Redcard Approved

AverageJoesCredit — Tue, 18 Jul 2017 20:38:51 GMT

Congrats on the new Target card. Your in and thats most important. Target has been unlesshing the dogs of war on cli for almost everyone so you probably have a real diamond in the ruff. Enjoy

Re: Target Redcard Approved

Anonymous — Tue, 18 Jul 2017 22:22:40 GMT

Thanks everyone! I did confirm they pulled EQ. Do most of you that use the Redcard PIF or leave a small balance?

Re: Target Redcard Approved

Anonymous — Wed, 19 Jul 2017 00:15:36 GMT

I've had my card since March of this year. Started with a 300.00 limit. I put a whopping 19.00 on it total and paid in full when the bill came. Lol. But they just upped me to 800.00 a couple weeks ago on their own.

Re: Target Redcard Approved

Anonymous — Wed, 19 Jul 2017 05:45:29 GMT

Congrats on the approval!

Kinda off topic here, but how do Target's debit and credit cards compare? I have the debit one and I heard it functions pretty much like the credit one with the 5% off discount every time.

Re: Target Redcard Approved

Cleaningitup2016 — Wed, 19 Jul 2017 07:37:35 GMT

Not a fan of the debit. I have it but it takes a while to draft from checking.

Re: Target Redcard Approved

CountryLivin — Wed, 19 Jul 2017 11:12:19 GMT

@Anonymous wrote:
Congrats on the approval!

Kinda off topic here, but how do Target's debit and credit cards compare? I have the debit one and I heard it functions pretty much like the credit one with the 5% off discount every time.

The debit card from Target functions exactly the same.....you still get free shipping and 5%.....the money is just debited from your account.

Re: Target Redcard Approved

Anonymous — Wed, 19 Jul 2017 13:48:38 GMT

@CountryLivin wrote:
@Anonymous wrote:
Congrats on the approval!

Kinda off topic here, but how do Target's debit and credit cards compare? I have the debit one and I heard it functions pretty much like the credit one with the 5% off discount every time.
The debit card from Target functions exactly the same.....you still get free shipping and 5%.....the money is just debited from your account.

^^^this

Also, you can have both the credit and the debit versions. Can be helpful if if starting out with a low CC limit.

I swear the RedCard likes to see a decent balance reported every now and again. I let mine report about $650 when my limit was $800, carried it a statement or two, and when I PIF'd, got my increase to $1300

Re: Target Redcard Approved

KSK1912 — Wed, 19 Jul 2017 15:45:50 GMT

@Anonymous wrote:
@CountryLivin wrote:
@Anonymous wrote:
Congrats on the approval!

Kinda off topic here, but how do Target's debit and credit cards compare? I have the debit one and I heard it functions pretty much like the credit one with the 5% off discount every time.
The debit card from Target functions exactly the same.....you still get free shipping and 5%.....the money is just debited from your account.
^^^this

Also, you can have both the credit and the debit versions. Can be helpful if if starting out with a low CC limit.

I swear the RedCard likes to see a decent balance reported every now and again. I let mine report about $650 when my limit was $800, carried it a statement or two, and when I PIF'd, got my increase to $1300

Started with $300 and went up to $4K and MC conversion in 9 months by using the card and leaving a balance. Before then i would always PIF and it was only after carrying a balance that i started seeing cli's from $300 to $800 to $1300 to $4K in about 6 months.

Re: Target Redcard Approved

mr_awesome — Wed, 19 Jul 2017 16:04:24 GMT

Congrats on the approval for the Red Card! I shop at Target a lot, so this gets a lot of use for me.

I started at 300 or 500, then up to 700, 900, 1300, and 1900 in about 12 months total. Responsible usage gets you automatic CLIs. Unfortanately you cannot request a CLI from TD Bank for this card, either online or over the phone. They aren't super shy about giving them out, in my experience. I remember all my CLIs have come after I paid off the card and let it post a $0 balance, so maybe that has something to do with it. My scores and overall limits were increasing during this time, so it could have just been my overall profile improving.

Enjoy that 5%!

Re: Target Redcard Approved

Anonymous — Wed, 19 Jul 2017 16:46:19 GMT

Thanks for the replies and great info everyone! So the consensus is leave some type of balance to maximize CLIs?

Re: Target Redcard Approved

Cleaningitup2016 — Wed, 19 Jul 2017 20:37:42 GMT

I thought the target mastercard went bye-bye when td bank took it over?

Re: Target Redcard Approved

Anonymous — Thu, 20 Jul 2017 07:31:54 GMT

@KSK1912 wrote:
@Anonymous wrote:
^^^this

Also, you can have both the credit and the debit versions. Can be helpful if if starting out with a low CC limit.

I swear the RedCard likes to see a decent balance reported every now and again. I let mine report about $650 when my limit was $800, carried it a statement or two, and when I PIF'd, got my increase to $1300
+1
Started with $300 and went up to $4K and MC conversion in 9 months by using the card and leaving a balance. Before then i would always PIF and it was only after carrying a balance that i started seeing cli's from $300 to $800 to $1300 to $4K in about 6 months.

Thanks for the tip. So if I already have other cards or if I don't need another line, perhaps I should stick to my debit?

Re: Target Redcard Approved

Anonymous — Thu, 20 Jul 2017 08:49:43 GMT

Congrats on your approval!!

Re: Target Redcard Approved

Failingupwards — Thu, 20 Jul 2017 21:46:22 GMT

I've had a Red Card since 2008 and I'm only at $2300.

SIGH

Re: Target Redcard Approved

SunriseEarth — Thu, 20 Jul 2017 22:39:56 GMT

Congrats on approval! Small SLs are par for the course with the redCard...just keep "updating" your income and let a balance post (you can PIF to avoid interest, but wait until after statement close).

Re: Target Redcard Approved

JoshSF — Thu, 20 Jul 2017 23:01:46 GMT

Yay congrats! Even if you just use it for regular purchases, 5% off is better than 0% off! And free shipping for online orders :-)