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Target Red Card

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Established Member

Target Red Card

Just got approved for the NFCU platinum on Thursday night for 15k and have been wanting the red card for a while as my wife and I shop there often. Credit karma has been telling me very good approval odds and I know there not very accurate so I was hesitant.

Decided tonight I would apply as they pull EQ and NFCU pulls TU. Wasn’t sure how it was gonna go but got instant approval for a $200 SL :/ was hoping for a little better SL but I’ve heard it can grow rather quick if you use it. We will be for sure taking advantage of the 2 day shipping.

EQ pull
635 score (credit karma)
3 medical collections
Oldest account 1 year 2 months
1% utilization
9 inquiries (mostly auto)
Starting Score: 580
Current Score: 640
Goal Score: 750


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Message 1 of 7
6 REPLIES 6
Valued Contributor

Re: Target Red Card

Congrats. It may take awhile for Target to show the love but use the card a lot, run it up and pay it down, and in time the CLIs will come. Mine was stagnant at $300 for 3 years. In the last two years it’s grown to $2900. Be patient and use it a lot and your limit will grow.
Rebuild commenced 5/2018

AmEx Delta Skymiles Gold | AmEx Hilton Honors Ascend | AmEx Hilton Honors | Discover IT | Target | VS | Home Depot | Lowes | CapOne QuickSilver | Wayfair | Kohl’s

Charter Member of the Disco “No CLI For You!” Club



Message 2 of 7
Established Contributor

Re: Target Red Card

YOU...

awesome congratulations GIF by Slanted Studios

CONGRATS on your Approval and Thanks for the DPs!!!

AMEX BCE $4K | AMEX Cash Magnet $15K | BBVA Compass Rewards VS $7K | Citi AAdvantage WEMC $12.5K | Discover $15.5K | OpenSky $300 BB&T Cash Rewards $4.5 | Synchrony (PayPal Credit $3K, Care Credit $15K, & PayPal 2% MC $8K) | Rebuilding since April 2018
Message 3 of 7
Highlighted
Regular Contributor

Re: Target Red Card

 

congrats on the Target Red Card.

they are not known for high limits at first.

one poster said bump against the limit and pay it off, thats how he got an increase.

Message 4 of 7
Frequent Contributor

Re: Target Red Card

Navy had you feeling like a 5k red card approval eh!? jk There they go again with thier insane limits and then back to reality with Target! At least it was an approval and like it was stated...it will grow. In time!!

 

Congratulations and Cheers!!

Message 5 of 7
Frequent Contributor

Re: Target Red Card

Congrats!! I felt the same way when I was approved with a $300 SL in December. I was approved with a 615 EQ score. My 4th statement cut April 9th and they gave me a $300 increase. I only used the card 2-3 times since December. I had 50-60% UTL on the card. I just paid my purchases off over the last 4 months. When they gave me the increase I had a balance of $139. I had just made a $150 payment and a $50 payment the week prior. I would update my income regardless if there weren’t any changes before the statement cut.

Now with the $600 limit I can buy any game system I want 🔥
-free shipping, random awesome discounts on items and 5% on top of sales definitely makes this card worth it.

I just bought 5 nintendo switch games under $100 and they are rather new. Each retail for $59.99 each! Gotta catch the sales when they give them.

I also want to join NFCU but I want my UTL to be at 40% max when I decide to take the inquiry.
Sept 18: EQ: 578 TU: 583 EX: 576
March 19’: EQ: 615 TU: 642 EX: 637

April 19’ EQ: 616 TU: 642 EX: 641 Goal by Sept 20’ EQ: 700 TU: 700 EX:700

AA: 7YRS AAOA: 1YR 9MOS
Inquiries in 12 months: EQ: 6 TU: 2 EX: 4
New Accounts in the last 6 months: 2
Chase 3/24-4/24 June 19’

Subprimes To Be Closed:



One Day:
Message 6 of 7
Frequent Contributor

Re: Target Red Card


@campy wrote:
Decided tonight I would apply as they pull EQ and NFCU pulls TU. Wasn’t sure how it was gonna go but got instant approval for a $200 SL :/ was hoping for a little better SL but I’ve heard it can grow rather quick if you use it. We will be for sure taking advantage of the 2 day shipping.


Congrats!

You might get lucky and find they have approved you for more than that when the card comes in.  There are several posts here about a temporarly limit of $300 and then when the card arrives it is more.  Maybe you get lucky? (don't want to get your hopes up...)

 

Mine was $300 initial approval then $1000 when the card arrived.  The DW uses my card much more often than I do.

  

  
  



Formerly GrowOrDie
Message 7 of 7