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@themack -
Welcome to the myFICO forum! We're happy to see you!
Super Congrats on your Target RED card $300 SL!
You should be commended for being so aggressive
with your post-BK7 rebuild. Time will be your greatest
ally, so the sooner you start the better.
BTW, Target/TD Bank also offers a Target Mastercard.
So with daily proper care and feeding of your RED card,
don't be surprised if TD Bank offers to upgrade you within
the next 12 months. Just pay on time and watch more doors open.
BTW, thanks for sharing that TD Bank pulled your TU file.
Other recent RED card approvals here in the forum have
been on an EQ hard pull. This is why it's so important that
you shared your data points. Forewarned is forearmed.
Congrats again on your Target success. Thanks for sharing!
Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |
@Anonymous wrote:@themack -
Welcome to the myFICO forum! We're happy to see you!
Super Congrats on your Target RED card $300 SL!
You should be commended for being so aggressive
with your post-BK7 rebuild. Time will be your greatest
ally, so the sooner you start the better.
BTW, Target/TD Bank also offers a Target Mastercard.
So with daily proper care and feeding of your RED card,
don't be surprised if TD Bank offers to upgrade you within
the next 12 months. Just pay on time and watch more doors open. The Target MC is offered by Invite only, and some folks even with good scores, still havent received the invitation yet and its been a few years or more, so its not a guarantee anyone will. Also, the card doesnt need "daily" grooming. Just regular monthly use, small or large, and PIF after statement cuts its the key. You dont need to max out the card in order to show use and history. Also, update your income monthly, even its theres no change.
BTW, thanks for sharing that TD Bank pulled your TU file.
Other recent RED card approvals here in the forum have
been on an EQ hard pull. This is why it's so important that
you shared your data points. Forewarned is forearmed.
Congrats again on your Target success. Thanks for sharing!