Need some advice, Amazon Store Card or target RedCard?

[Anonymous]

So I just started my credit journey in the 1st week of September 2021. I Have a capital one secured, and a Chime Credit builder, both opened in the same week.  I waited a few months, Then in November I opened up a petal2 unsecured card 500 dollar limit. As well as a kickoff and Extra account.  Just because I wanted To fill up my History worth positive reporting. I am now sitting at 687 for TU, and 667 for EQ.  According to Experian u still do not have a Fico 8.  Let me instead I would like to apply for Either the target red card or Amazon store card. I have heard both are easy to get? Is it worth the hard inquiries? 

[SUPERSQUID]

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@Anonymous wrote:

So I just started my credit journey in the 1st week of September 2021. I Have a capital one secured, and a Chime Credit builder, both opened in the same week.  I waited a few months, Then in November I opened up a petal2 unsecured card 500 dollar limit. As well as a kickoff and Extra account.  Just because I wanted To fill up my History worth positive reporting. I am now sitting at 687 for TU, and 667 for EQ.  According to Experian u still do not have a Fico 8.  Let me instead I would like to apply for Either the target red card or Amazon store card. I have heard both are easy to get? Is it worth the hard inquiries? 

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I can only speak for target red card. I got it early when my scores were low 600's and my bk7 was under 1 year so i would say its easy to get. In my case my sl was only 300 and its hard to get cli's from them although i moved from 300-700 in 14 months, ymmv.

EDIT - I remember getting the kohls card and firestone automotive cc around the same time. The kohls grew from 300-1500 in 14 months and the firestone grew from 1k to 2800 in 12 months

[EAJuggalo]

I would go with the Amazon card from Synchrony.  They have a history of being generous with CLIs 5% back on Amazon purchases is pretty good and if you really want the Red Card you can always get a Red Card Debit that links to your checking account and get almost all of the benefits without a CC.

Something else must be on your reports for EQ and TU.  You need a credit history of 6 months in order to have a FICO score.  When I first started using credit again in 2016 I had an old Chase Auto loan on my report that allowed me to get a score as soon as my first new account reported, then the auto loan dropped off and for 5 months I had no score.

[Herestohoping19]

I concur having been through some of those cards myself target redcard is a rough one for increases kept it for 2 years with no increase even though I used it and requested monthly and this is with at that point 670ish scores across the board and low inq. Kohls I had excellent success with even low 600 scores and limit grew regularly even with low usage. Of course as has been said YMMV and this is only my opinion based on what I've used. If you plan on just a builder card you may or may not keep I wouldn't bother with target if you want a card that will grow. Amazon store card is excellent though I didn't get it until 700+ scores so I don't have the data on approval odds on that or growth with profiles other than my own.