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I need to stop 😂 Another one.

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Senior Contributor

Re: I need to stop 😂 Another one.

Congrats on your Target Redcard approval!

Currently: Gardening since 04/2020




Message 11 of 23
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Regular Contributor

Re: I need to stop 😂 Another one.


@Butch08902 wrote:

I applied for a Target card after looking at  a post on here. I got the red card with a $300 limit. So now I have 5 cards. Quicksilver, Quicksilver One, Target Red, Walmart , and Opensky. 


Congrats on the new card! Some people stop at 3 or 4 and then some don't stop after 50. It's always a good feeling when you app and it comes up, "You're Approved" and who doesn't like a good feeling.

Message 12 of 23
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Valued Contributor

Re: I need to stop 😂 Another one.

Congrats!

 

There are pros and cons to adding more cards and I don't think we can give blanket advice on whether you should or should not stop without knowing more about your profile and goals. However, I think if you wait a few months before your next application and give your current cards time to build a little positive history, you'll be able to get a new "level" of card. JMO, good luck!


Young profile, but no derogs. In March of 2019, I had no open accounts, a charge-off, two collections, and scores in the low 500s. The only thing in my signature that was on my CRs then was the old closed Exxon card. I am a MyFICO monthly paying customer. One might think my perspective would be welcome here, but ...
Cards

Authorized user / Corporate / Auto loan

Card CLs total $81,100, not counting the AU card. In March 2019, card CLs totaled $0. In April 2019, card CLs reached $500. Since then, I received a lot of great advice on this board, as well as a lot of advice I didn't take, that is good for most situations, but not mine. Bronze spade on July 3.
Closed but still on reports: ExxonMobil, $950, 10/08-02/11 (Equifax only) | Citi secured, $200, 04/19-09/19 | Capital One secured, $300, 04/19-08/19 | My Jewelers Club, $5,000, 05/19-08/19 | Green Dot Primor, $300, 05/19-08/19 | Self Lender secured $500 loan, 04/19-01/20 | Unsecured personal loan from Coastal, $1,000, 06/19-08/19.
Message 13 of 23
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Frequent Contributor

Re: I need to stop 😂 Another one.

Congratulations on the Approvals 🎉🎊


2018 Dec Starting Score: 700
Current Score: 768
Achieved Goal Score 2020: 800


Take the myFICO Fitness Challenge












Message 14 of 23
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Valued Contributor

Re: I need to stop 😂 Another one.

Congrats on the approval!

Message 15 of 23
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Frequent Contributor

Re: I need to stop 😂 Another one.

Congrats on the approval. There is always something to buy at Target. LOL

Discover 22K ---------------------------- Credit Union MC 12K
Cap1 QS 10K ---------------------------- Barclay 3.4K
AMEX Blue Cash AU 15.5K ------ Barclay Apple AU 10K
AMEX BCP 22K
2 Installment loans:
Auto 15K / 39K ---------- Auto 28K / 39K
Vantage 3.0: TU:738 EQ: 737 03-17-2020
Ch. 7 DC 12/2014
Message 16 of 23
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Super Contributor

Re: I need to stop 😂 Another one.

Congrats on your new Target card

 



3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>05/2020 CCT EX 834 TU 848 EQ 844

I'd get it one piece at a time
And it wouldn't cost me a dime
You'll know it's me when I come through your town
I'm gonna ride around in style
I'm gonna drive everybody wild
'Cause I'll have the only one there is around.

- Johnny Cash One Piece At A Time
Message 17 of 23
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Established Member

Re: I need to stop 😂 Another one.

Yea @KJinNC  I'm stopping for now.  I definitely want to get better cards.  I'm just going to build my limits on all these cards.

Starting Score: 525
Current Score: 621
Goal Score: 850


Take the myFICO Fitness Challenge
Message 18 of 23
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Regular Contributor

Re: I need to stop 😂 Another one.


@Butch08902 wrote:

Yea @KJinNC  I'm stopping for now.  I definitely want to get better cards.  I'm just going to build my limits on all these cards.


Sounds like a good plan. You have enough cards right now to help your credit score as they age and the cli build your limits.

 

A important variable in reaching higher scores is definitely Credit Age.

Message 19 of 23
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New Member

Re: I need to stop 😂 Another one.

Congratulations on the approval! Smiley Happy

Hey

Message 20 of 23
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