topic Re: TU - Retail Trades? in Understanding FICO® Scoring

TU - Retail Trades?

Anonymous — Tue, 31 Mar 2015 19:07:37 GMT

I get that TU reports Bankcard as an aggregate of all CC's. And right now I've got too much outstanding to care what comprises it, as long as it's going down. However, I'm not sure what they count in the Retail Trades bucket. I can't make a guess based on the amount they show. Anyone have some examples of what counts as a Retail Trade?

Re: TU - Retail Trades?

Anonymous — Wed, 01 Apr 2015 00:56:28 GMT

Store cards that aren't a Visa/MC.

My retail trade accounts, as reported by TU, are:

Macy's

Victoria's Secret

Avenue

The rest are bankcards.

Re: TU - Retail Trades?

Anonymous — Wed, 01 Apr 2015 02:03:20 GMT

Thanks.mine is showing $1284 and all I can think of is about $1000 that's Best Buy. Will have to go through CR and figure out what else it could be.

Re: TU - Retail Trades?

Anonymous — Wed, 01 Apr 2015 04:16:01 GMT

About the only other thing that could make up the difference is Target, but it's a Target Visa. Maybe they can't tell that at TU?

I'm going with that assumption. I'll check it out next time it pops up and see if I can sleuth it more.

Re: TU - Retail Trades?

Anonymous — Wed, 01 Apr 2015 05:20:55 GMT

@Anonymous wrote:
About the only other thing that could make up the difference is Target, but it's a Target Visa. Maybe they can't tell that at TU?

I'm going with that assumption. I'll check it out next time it pops up and see if I can sleuth it more.

Did you start off with a Target store card and then it got PC'ed to a Visa? That might explain that. Or maybe just the fact that it's Target. What bank is it through? Maybe it's a bank known for having store cards. I'm not 100% sure. I don't have a Target card or know much about them.

Re: TU - Retail Trades?

Anonymous — Wed, 01 Apr 2015 19:18:20 GMT

I think it's always been a Target Visa, but I could be wrong. Target has it's own bank, the way I understand it.

Welp, I paid off the Best Buy. That should make it easy to see what's left. Thanks again.

Re: TU - Retail Trades?

Anonymous — Thu, 02 Apr 2015 00:15:57 GMT

@Anonymous wrote:
I think it's always been a Target Visa, but I could be wrong. Target has it's own bank, the way I understand it.

Welp, I paid off the Best Buy. That should make it easy to see what's left. Thanks again.

No problem. Good luck!

Re: TU - Retail Trades?

Anonymous — Fri, 03 Apr 2015 18:50:10 GMT

In case anyone comes across this, I think I have the definitive answer for my TU. Target (Visa) and Best Buy (store card-Citibank) make up my Retail Trades. The only thing showing in my Personal Finance bucket is my HD Project Loan. And as far as I can tell, Chevron Visa doesn't appear at all (even though it's Synchrony and so is Care Credit...but Care Credit counts in my Bankcard balance.) And my HD CC shows in my Bankcard bucket, even though it too is a Citibank store card.

Logic? I guess it's over rated.

Re: TU - Retail Trades?

Anonymous — Fri, 03 Apr 2015 23:30:27 GMT

@Anonymous wrote:
In case anyone comes across this, I think I have the definitive answer for my TU. Target (Visa) and Best Buy (store card-Citibank) make up my Retail Trades. The only thing showing in my Personal Finance bucket is my HD Project Loan. And as far as I can tell, Chevron Visa doesn't appear at all (even though it's Synchrony and so is Care Credit...but Care Credit counts in my Bankcard balance.) And my HD CC shows in my Bankcard bucket, even though it too is a Citibank store card.

Logic? I guess it's over rated.

Thanks for the followup! Good to know!

Re: TU - Retail Trades?

syeb — Wed, 10 Feb 2016 22:08:01 GMT

@Anonymous wrote:
@Anonymous wrote:
In case anyone comes across this, I think I have the definitive answer for my TU. Target (Visa) and Best Buy (store card-Citibank) make up my Retail Trades. The only thing showing in my Personal Finance bucket is my HD Project Loan. And as far as I can tell, Chevron Visa doesn't appear at all (even though it's Synchrony and so is Care Credit...but Care Credit counts in my Bankcard balance.) And my HD CC shows in my Bankcard bucket, even though it too is a Citibank store card.

Logic? I guess it's over rated.
Thanks for the followup! Good to know!

Found this old thread in a search but worth a bump:

I got a simliar message about Retail Trades. For me it is Kohls + Amazon store card.