topic Re: Last app, I swear! in Credit Cards

Last app, I swear!

injustifiiable — Wed, 22 Aug 2012 02:48:43 GMT

After a lousy app spree earlier this month (I got 1/6), I figured my EQ could take one last app before I deep freeze it for good. It had the least amount of inquires (4).

So...I head to Target and apped for the RedCard about a week ago. I got the 7-10 day message at the register...I figured it was a denial so I blew it off and went on with life.

I go to my mailbox today and find an envelope with a RedCard in it....with a WHOPPING $300 CL!

Not the greatest but considering they denied me in 2009, I'll take it. I was really expecting only $200...lol.

Now off to the garden for real...no more apps till June 2013 when the rest of my derogs fall off! Woot!

Re: Last app, I swear!

Anonymous — Wed, 22 Aug 2012 03:19:03 GMT

Good job, the limit will grow quick with that card. No worries.

Re: Last app, I swear!

mmduluth — Wed, 22 Aug 2012 03:33:30 GMT

I don't have one myself but from reading here Target rarely if ever gives CLIs and they are known for giving incredibly low limits to even the most qualified applicants.

Re: Last app, I swear!

Anonymous — Wed, 22 Aug 2012 03:41:13 GMT

Is it not gemb?! My bad i probably shouldnt have assumed!

Re: Last app, I swear!

jamesdwi — Wed, 22 Aug 2012 03:46:35 GMT

@Anonymous wrote:
Good job, the limit will grow quick with that card. No worries.

if that was only true... target bank doesn't accept custiner initiated CLI's my Targer card is almost at 8 months of age, use 60-70% of its limit each month PIF no auto-CLI yet\\

Amex Blue 6k CL december 2011

Targer red 200 CL January 2012

guess which one will get a CLI first

Re: Last app, I swear!

Anonymous — Wed, 22 Aug 2012 03:46:49 GMT

Well then, back to lurking i shall go.

Re: Last app, I swear!

Wahoo — Wed, 22 Aug 2012 03:51:20 GMT

The Target RedCard is backed by Target's own bank, Target National Bank. From what I have read they have been pretty stingy with CLI's for a couple of years. The theory I hear is that they took a bath on their Target Visa cards (stopped offering them compeletely last fall) and ever since they have been tight. Might change eventually though. Nevertheless, 5% off at Target is a pretty good deal.