Sooooo.....needed to make a larger purchase ($200+) at Target today and discovered that my RedCard debit card had been deactivated (unbeknownst to me) back in 2021 for two years without use. So I decided to app the credit card version to complete the purchase and take advantage of both the 5% discount and their current $40.00 off coupon for new account opening.
My credit is great these days, but wasn't really sure what to expect since I just app'd a Yard Card to take advantage of their 0% for 60 month financing on an $11,500 lawn mower (also issued by TD Bank like the Target cards). To my surprise, they issued a SL of $3,500 on the MC version of the card right off the bat. Based on a little perusing of the interwebs, this appears to be a very good approval versus the average. Might try to make more use of Target for groceries. Not sure it beats out a number of my other cards like the Sapphire Preferred, Savor, Propel, etc. for gas or dining, but it's definitely got a niche. Anyone else found any uses for it that maximize the returns?
Sweet, grats on the 3.5K Target MC approval!!!
Yeah, that was a consideration on the Yard Card. I didn't like it being a credit card, but needed to make the purchase and didn't want to part with that much cash at once. The good news is, I don't carry much. I have one that I carry a larger amount on, but everything else gets PIF monthly. I also don't really need to make any other large purchases anytime soon, so I'll have some time to do some gardening. 😁
