Congratulations on your CLI!
Congrats on the CLI!
What kind of spend does it see? Do you let the statement cut and PIF every month? Update your income?
Cuz AMA and all. 
@Anonymous wrote:Congrats on the CLI!
What kind of spend does it see? Do you let the statement cut and PIF every month? Update your income?
Cuz AMA and all.
I did not really intend to use it much because I am not much of a Target shopper per se, BUT i did end up running 300 through it on two consecutive months because of large, urgent purchases. 5% on that was nice! $31 "saved" in 4 months.
One of those months reported on statement and was then PIF immediatel. The other one just ended this month and it looks like I paid it in the nick of time to report a 0 balance.
I did "update my income" a couple times a month. There was no actual change.
YMMV and my experience is just an anecdote.
The RedCard is certainly what I call a "useful store card". Along with Amazon, it is a keeper for me.
@BallBounces wrote:
@Anonymous wrote:Congrats on the CLI!
What kind of spend does it see? Do you let the statement cut and PIF every month? Update your income?
Cuz AMA and all.
I did not really intend to use it much because I am not much of a Target shopper per se, BUT i did end up running 300 through it on two consecutive months because of large, urgent purchases. 5% on that was nice! $31 "saved" in 4 months.
One of those months reported on statement and was then PIF immediatel. The other one just ended this month and it looks like I paid it in the nick of time to report a 0 balance.
I did "update my income" a couple times a month. There was no actual change.
YMMV and my experience is just an anecdote.
The RedCard is certainly what I call a "useful store card". Along with Amazon, it is a keeper for me.
The RedCard is certainly one I would keep around. I've grown mine from $300 to $5k in a few years. Update your information, give it some TLC, you'll be golden. I got mine upgraded to the MC version this summer. Don't really plan to use it that much, have better cards for everyday spend, but will go to Target everyso often to keep it alive.
@BallBounces wrote:
@Anonymous wrote:Congrats on the CLI!
What kind of spend does it see? Do you let the statement cut and PIF every month? Update your income?
Cuz AMA and all.
I did not really intend to use it much because I am not much of a Target shopper per se, BUT i did end up running 300 through it on two consecutive months because of large, urgent purchases. 5% on that was nice! $31 "saved" in 4 months.
One of those months reported on statement and was then PIF immediatel. The other one just ended this month and it looks like I paid it in the nick of time to report a 0 balance.
I did "update my income" a couple times a month. There was no actual change.
YMMV and my experience is just an anecdote.
The RedCard is certainly what I call a "useful store card". Along with Amazon, it is a keeper for me.
Thanks for the info.
They have been sending me ads now of course and they're pretty decent so I'm sure my card will find organic spending over time. I'll just let balances report and pay them. Having a store to compare to Amazon when I buy things now is nice, I'm just really not looking forward to having usage report on such a small limit. As long as I keep it under $200 though it's fine.
Congrats on your CLI ! It's so nice when banks show their appreciation! 
