topic Re: Target cc in Credit Card Approvals

Target cc 2k approval sc keep or close idk

MeN5 — Mon, 24 Oct 2022 07:25:26 GMT

So I just knew I would get the MasterCard since it tries to approve for that one first but nope I got the store card again sl 2k w a 775eq and clean file I am in complete awe and trying to decide whether to keep it cuz I do shop there a lot btw I have no problem closing cards I'm just on the fence w this one Ik 2k use to be a great approval for Target but recently I've seen ppl getting 5k or 6k and the Mc no less so I'm a little bitter lol do they let you request increases now?

Re: Target cc

Yasselife — Sun, 23 Oct 2022 20:16:37 GMT

Ouch... congrats? lol

Re: Target cc

MeN5 — Sun, 23 Oct 2022 20:33:27 GMT

@Yasselife @Ouch would be correct lol

Re: Target cc

mfinsmi1 — Sun, 23 Oct 2022 23:29:08 GMT

you already opened it the damage is already done with the opening of a new account - i would recommend keeping it

Re: Target cc

CreditAggie — Sun, 23 Oct 2022 23:43:04 GMT

Congratulations on your Target approval!

Re: Target cc

M_Smart007 — Mon, 24 Oct 2022 01:04:56 GMT

Congrats on your Target Approval.

The MC is a rare Unicorn to get approved for .. right off the bat.

Re: Target cc

KingRue8500 — Mon, 24 Oct 2022 03:09:07 GMT

Congrats on your Target RedCard approval

Re: Target cc

cashorcharge — Mon, 24 Oct 2022 03:16:31 GMT

WooHoo!! Congratulations on your Target Approval!!👏🏼🍾🥂

Re: Target cc

raisemysc0re — Mon, 24 Oct 2022 10:36:15 GMT

@mfinsmi1 wrote:
you already opened it the damage is already done with the opening of a new account - i would recommend keeping it

I second this. Too many people let pride get in the way of making good decisions. Damage is already done by HP and then accepting the approval.

Re: Target cc

sourpuss29 — Mon, 24 Oct 2022 12:32:06 GMT

@raisemysc0re wrote:
@mfinsmi1 wrote:
you already opened it the damage is already done with the opening of a new account - i would recommend keeping it
I second this. Too many people let pride get in the way of making good decisions. Damage is already done by HP and then accepting the approval.

Not necessarily.

When I applied for the Navy Federal Platinum card last month, they only approved me for a sl of $1,000...which, needless to say, i was not too pleased about. I promptly sent a secure message telling them to close it; and even though I incurred a hard pull, the account was never reported to the bureaus.

As an aside, since I don't apply for new cards often, this is currently the only inquiry I have on TU, so I suppose I can afford to be nonchalant about it.

Re: Target cc 2k approval sc keep or close idk

SUPERSQUID — Mon, 24 Oct 2022 12:30:23 GMT

@MeN5 wrote:
So I just knew I would get the MasterCard since it tries to approve for that one first but nope I got the store card again sl 2k w a 775eq and clean file I am in complete awe and trying to decide whether to keep it cuz I do shop there a lot btw I have no problem closing cards I'm just on the fence w this one Ik 2k use to be a great approval for Target but recently I've seen ppl getting 5k or 6k and the Mc no less so I'm a little bitter lol do they let you request increases now?

KEEP IT ! I wish my cl was 2k, i only have a 1k cl.

Target is a great place to shop and if you use the red card online its free shipping.

I buy stuff there all the time.

Re: Target cc

raisemysc0re — Mon, 24 Oct 2022 13:07:15 GMT

@sourpuss29 wrote:

Not necessarily.

When I applied for the Navy Federal Platinum card last month, they only approved me for a sl of $1,000...which, needless to say, i was not too pleased about. I promptly sent a secure message telling them to close it; and even though I incurred a hard pull, the account was never reported to the bureaus.

As an aside, since I don't apply for new cards often, this is currently the only inquiry I have on TU, so I suppose I can afford to be nonchalant about it.

This could be a YMMV scenario though... Maybe OP should call and try to find out.

Re: Target cc 2k approval sc keep or close idk

SouthJamaica — Mon, 24 Oct 2022 15:19:11 GMT

@MeN5 wrote:
So I just knew I would get the MasterCard since it tries to approve for that one first but nope I got the store card again sl 2k w a 775eq and clean file I am in complete awe and trying to decide whether to keep it cuz I do shop there a lot btw I have no problem closing cards I'm just on the fence w this one Ik 2k use to be a great approval for Target but recently I've seen ppl getting 5k or 6k and the Mc no less so I'm a little bitter lol do they let you request increases now?

IMHO you should hold on to it, use it, enjoy it, and look for your opportunity to upgrade... it will come.

Re: Target cc 2k approval sc keep or close idk

Pway — Mon, 24 Oct 2022 15:25:50 GMT

Congrats on the approval. I have seen people get approved for less than 2k and have excellent credit. I used to work for them and not everyone get approved for the MC. I would use the card and see how it goes, then maybe they will upgrade the card in the future. Just because one has good credit does not means they will always be approved for what one wants or terms.

Re: Target cc 2k approval sc keep or close idk

SDMarik — Mon, 24 Oct 2022 16:24:51 GMT

Congrats on the Target approval. I am not sure what you stand to gain by closing it, why not just work up the CL on it?

Re: Target cc 2k approval sc keep or close idk

CYBERSAM — Mon, 24 Oct 2022 16:56:32 GMT

Congrats on your Target approval! 🤑👍

Re: Target cc 2k approval sc keep or close idk

PullingMeSoftly — Mon, 24 Oct 2022 16:57:23 GMT

Congrats! Regardless of it not being the MC, it's still 5% off your tab, so might as well keep it and hop in line with the rest of us waiting it out for the upgrade.

Re: Target cc 2k approval sc keep or close idk

WasteMgmt — Tue, 25 Oct 2022 15:45:04 GMT

Sorry about the low SL. But since you do a good amount of shopping there I would just keep it open. They may even give a CLI.

Re: Target cc 2k approval sc keep or close idk

NoMoreE46 — Wed, 26 Oct 2022 13:48:28 GMT

Yes, there have been a few recent approvals here for the MC version. This is a departure from what TD had been doing- i.e., issue the store only and then you hope it graduates to the MC.

It is great that some are successfully getting the MC version right away.

@MeN5, keep it and don't look back. CLIs are of a mystery. I do know that when your CL hits $4,000, then TD will issue you the MC version.

If you really want to feel 'bitter', then know that we have a MFer who is adding a $200,000 Lamborghini and a $300,000 Porsche to his Fleet of vehicles.

Re: Target cc 2k approval sc keep or close idk

fullacrobat5 — Wed, 26 Oct 2022 21:01:20 GMT

Congratulations on your Target Mastercard approval!!