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TARGET MC APPROVAL $8,000 SL

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credit_endurance
Valued Contributor

TARGET MC APPROVAL $8,000 SL

Was looking over some older threads involving Target MC approvals and how they where finally opening up the vaults wih several in the $2k-8k range. I myself got the store card addition during my credit building stages. Started off with a $300 limit that grew to a whopping $500 limit. This was a time when target was starting to offer mastercard versions to random clients with no rhime nor reason. Being impatient with them I axed them from my collection back in 2017. Decided today to give them a revisit and pulled the trigger. Instant approval with a $300 temp limit. Thinking to myself here we go again with this low limit purgatory but, decided to call in to customer service and get the real facts on my approval. Rep said that was the temp limit and my actual limit was $8,000. I was really pleased to hear that my temp limit which was my store card starting limit wasn't a bad sign after all. Thanks for looking. Any questions please ask away. 

 

DP

SL $8,000

EQ HP 822

0/6 0/12 accounts 

Was at the tail end of a spree with 7-8 inquiries in as many days so scores took a ding but they didn't seem to care.

 

Target Approval!Target Approval!

 

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 1 of 43
42 REPLIES 42
NoMoreE46
Community Leader
Senior Contributor

Re: TARGET MC APPROVAL $8,000 SL

It sucks that you were held back a few years ago.  
Very nice bounce back with the $8000!

 


@credit_endurance wrote:

Was looking over some older threads involving Target MC approvals and how they where finally opening up the vaults wih several in the $2k-8k range. I myself got the store card addition during my credit building stages. Started off with a $300 limit that grew to a whopping $500 limit. This was a time when target was starting to offer mastercard versions to random clients with no rhime nor reason. Being impatient with them I axed them from my collection back in 2017. Decided today to give them a revisit and pulled the trigger. Instant approval with a $300 temp limit. Thinking to myself here we go again with this low limit purgatory but, decided to call in to customer service amd the real facts on my approval. Rep said that was the temp limit and my actual limit was $8,000. I was really pleased to hear that my temp limit which was my store card starting limit wasn't a bad sign after all.

 

DP

SL $8,000

EQ HP 822

0/6 0/12 accounts 

Was at the tail end of a spree with 7-8 inquiries in as many days so scores took a ding but they didn't seem to care.

 

Target Approval!Target Approval!

 


 

Message 2 of 43
Jeffster1
Valued Contributor

Re: TARGET MC APPROVAL $8,000 SL

If only Target would make it possible to apply directly only for the MC, they'd get apps from a few of us that don't want a store card.

 

Congrats on the great approval! 

 

 

 

 

0% utilization
FICO 8 EX 839 EQ 825 TU 834
American Express Blue Cash Preferred 30K I American Express Blue Cash Everyday 30K I American Express Delta Skymiles 13.9K I American Express Schwab Investor Card 5K I Bank of America Customized Cash Rewards Visa 30K | Kinecta MyPerks Rewards MC 35K | Wells Fargo Autograph Visa 30K I BMO Harris Cash Back MC 12K | Capital One QS MC 12.5K I NFCU Flagship Rewards Visa 52K I NFCU Amex 28K I Citi Best Buy Visa 15K I Macy’s Amex 25K I Bloomingdale’s Amex 10K I Citi Thank You MC 10K I Bread Financial American Express 18K I AAA Daily Advantage Visa Signature 8.5K I Saks Fifth Avenue World Elite MC 13.3K I Citi Dillard’s Visa 5K I JCPenney MC 10K I Synchrony Premier MC 10K I UCLA Wescom CU Rewards Visa 7K I PayPal Cash Back MC 20K I MyWalgreens Mastercard 10K I TD Bank Double Up Visa 5K I USBank Cash Visa 5K I Gemini Bitcoin MC 15K I TMobile Capital One Visa 20K I BILT 2.O MC 10K
Message 3 of 43
credit_endurance
Valued Contributor

Re: TARGET MC APPROVAL $8,000 SL


@NoMoreE46 wrote:

It sucks that you were held back a few years ago.  
Very nice bounce back with the $8000!

Thanks @NoMoreE46! Yes very rewarding to comeback strong. Smiley Wink

 


@credit_endurance wrote:

Was looking over some older threads involving Target MC approvals and how they where finally opening up the vaults wih several in the $2k-8k range. I myself got the store card addition during my credit building stages. Started off with a $300 limit that grew to a whopping $500 limit. This was a time when target was starting to offer mastercard versions to random clients with no rhime nor reason. Being impatient with them I axed them from my collection back in 2017. Decided today to give them a revisit and pulled the trigger. Instant approval with a $300 temp limit. Thinking to myself here we go again with this low limit purgatory but, decided to call in to customer service amd the real facts on my approval. Rep said that was the temp limit and my actual limit was $8,000. I was really pleased to hear that my temp limit which was my store card starting limit wasn't a bad sign after all.

 

DP

SL $8,000

EQ HP 822

0/6 0/12 accounts 

Was at the tail end of a spree with 7-8 inquiries in as many days so scores took a ding but they didn't seem to care.

 

Target Approval!Target Approval!

 


 


 

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 4 of 43
credit_endurance
Valued Contributor

Re: TARGET MC APPROVAL $8,000 SL


@Jeffster1 wrote:

If only Target would make it possible to apply directly only for the MC, they'd get apps from a few of us that don't want a store card.

 

Congrats on the great approval! 

 

Thanks @Jeffster1! I agree they should make the app process more straight forward. Case in point I went to Nordstroms and applied for the Visa version to upgrade from the store card. And wouldn't you know they re approved me for the store card again! And get this $300 toy limit which was lower than my first approval with them for $1,000 SL. Nothng ceases to amaze anymore in the credit game. 

 

 

 

 


 

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 5 of 43
Jeffster1
Valued Contributor

Re: TARGET MC APPROVAL $8,000 SL


@credit_endurance wrote:

@Jeffster1 wrote:

If only Target would make it possible to apply directly only for the MC, they'd get apps from a few of us that don't want a store card.

 

Congrats on the great approval! 

 

Thanks @Jeffster1! I agree they should make the app process more straight forward. Case in point I went to Nordstroms and applied for the Visa version to upgrade from the store card. And wouldn't you know they re approved me for the store card again! And get this $300 toy limit which was lower than my first approval with them for $1,000 SL. Nothng ceases to amaze anymore in the credit game. 

 

 

 

 


 


@credit_endurance That is so frustrating to hear about Nordstrom. Back in my previous life (before my 13 in 2017), I had a Nordstrom Visa which I held since 2004. Nordstrom had its own bank and you could apply for the Visa directly. They offered personalized service and were very generous with CLs. The card was a beautiful sleek sparkling silver. 

And what do they expect you to buy at Nordstrom with a CL of $300? They're insane,

 

Huge congrata again!

0% utilization
FICO 8 EX 839 EQ 825 TU 834
American Express Blue Cash Preferred 30K I American Express Blue Cash Everyday 30K I American Express Delta Skymiles 13.9K I American Express Schwab Investor Card 5K I Bank of America Customized Cash Rewards Visa 30K | Kinecta MyPerks Rewards MC 35K | Wells Fargo Autograph Visa 30K I BMO Harris Cash Back MC 12K | Capital One QS MC 12.5K I NFCU Flagship Rewards Visa 52K I NFCU Amex 28K I Citi Best Buy Visa 15K I Macy’s Amex 25K I Bloomingdale’s Amex 10K I Citi Thank You MC 10K I Bread Financial American Express 18K I AAA Daily Advantage Visa Signature 8.5K I Saks Fifth Avenue World Elite MC 13.3K I Citi Dillard’s Visa 5K I JCPenney MC 10K I Synchrony Premier MC 10K I UCLA Wescom CU Rewards Visa 7K I PayPal Cash Back MC 20K I MyWalgreens Mastercard 10K I TD Bank Double Up Visa 5K I USBank Cash Visa 5K I Gemini Bitcoin MC 15K I TMobile Capital One Visa 20K I BILT 2.O MC 10K
Message 6 of 43
SUPERSQUID
Valued Contributor

Re: TARGET MC APPROVAL $8,000 SL

CONGRATS!!!!!

Its one of my favorite cc's, I use it a lot.

If you order something online over 35 bucks shipping is free, and they ship fairly fast, ymmv.

If you are a veteran or active military Target offers an additional 10 pct off on top of the 5 pct for the Red Card for one week around 4th of july and one week around veterans day. You are allowed 2 discount shopping trips during each period. They used to just accept a VIC as proof of service but they told me people abused it so now you have to register with Target circle and enter your phone number at the checlout.

Message 7 of 43
NoMoreDebt
Senior Contributor

Re: TARGET MC APPROVAL $8,000 SL

Congrats on the approval

AMEX CHARLES SCHWAB PLATINUM NPSL / AMEX GREEN NPSL/ AMEX BLUE BUSINESS PLUS $20000 CL/ FIDELITY REWARDS VISA $23,500 SL

SOCKDRAWER/ NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $40,000/ WELLS FARGO AUTOGRAPH $8200/APPLE CARD $6500/DISCOVER IT $3000 SL/CITI COSTCO ANYWHERE VISA $6000 SL
Message 8 of 43
Linnaea
Frequent Contributor

Re: TARGET MC APPROVAL $8,000 SL


@credit_endurance wrote:

Was looking over some older threads involving Target MC approvals and how they where finally opening up the vaults wih several in the $2k-8k range. I myself got the store card addition during my credit building stages. Started off with a $300 limit that grew to a whopping $500 limit. This was a time when target was starting to offer mastercard versions to random clients with no rhime nor reason. Being impatient with them I axed them from my collection back in 2017. Decided today to give them a revisit and pulled the trigger. Instant approval with a $300 temp limit. Thinking to myself here we go again with this low limit purgatory but, decided to call in to customer service and get the real facts on my approval. Rep said that was the temp limit and my actual limit was $8,000. I was really pleased to hear that my temp limit which was my store card starting limit wasn't a bad sign after all. Thanks for looking. Any questions please ask away. 

 

DP

SL $8,000

EQ HP 822

0/6 0/12 accounts 

Was at the tail end of a spree with 7-8 inquiries in as many days so scores took a ding but they didn't seem to care.

 

Target Approval!Target Approval!

 


So exciting ... Congratulations ! Fun Card!

Message 9 of 43
credit_endurance
Valued Contributor

Re: TARGET MC APPROVAL $8,000 SL


@SUPERSQUID wrote:

CONGRATS!!!!!

Its one of my favorite cc's, I use it a lot.

If you order something online over 35 bucks shipping is free, and they ship fairly fast, ymmv.

If you are a veteran or active military Target offers an additional 10 pct off on top of the 5 pct for the Red Card for one week around 4th of july and one week around veterans day. You are allowed 2 discount shopping trips during each period. They used to just accept a VIC as proof of service but they told me people abused it so now you have to register with Target circle and enter your phone number at the checlout.

 

@SUPERSQUID thanks so much! It's a gem in the retail space. Certainly makes up for my Nordstroms experience which is also through TD bank. Go figure 🙄

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 10 of 43
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