Strategizing for credit mix, I've been wanting to app for a store branded card since I began my rebuild in March of this year. Reading a few horror stories here regarding store cards, and not having the comfort of a pre-qual site for a good store option, I found myself in an interesting position.
Inspired by not one but two lovely ladies ahead of me in check-out at the Target location here in West Hollywood (both applying for the Red Card - what are the odds), I decided to pull the trigger. Not later on from the privacy of my home, but right there in public!!!!
After a long system delay....odd the other two people didn't take nearly as long...there it was, approved!! $500SL. I guess TD Bank really had to think it over
I nearly spilled my Starbucks on my 6 year old! Super shocked, but happy to have this one in my wallet. We spend a ton of money at Target given that it's literally just outside the lobby of my building.
The FICO 8 Scores in my siggy are current as of today for those in a similar boat, and are interested in applying.
Cheers to 5%!
Inspired by not one but two lovely ladies ahead of me in check-out at the Target location here in West Hollywood (both applying for the Red Card - what are the odds), I decided to pull the trigger. Not later on from the privacy of my home, but right there in public!!!!
After a long system delay....odd the other two people didn't take nearly as long...there it was, approved!! $500SL. I guess TD Bank really had to think it over
I nearly spilled my Starbucks on my 6 year old! Super shocked, but happy to have this one in my wallet. We spend a ton of money at Target given that it's literally just outside the lobby of my building.The FICO 8 Scores in my siggy are current as of today for those in a similar boat, and are interested in applying.
Cheers to 5%!
Wow! Congratulations! Have you received a HP yet? If so, which CB did Target/TD Bank pull?
Nice approval!!! 
For me when I applied, they pulled Equifax. (I had no idea what my scores were when I applied, LOL.) Given your approval I would bet they pulled Equifax too since that's your highest score, though, if they pulled a different bureau I would be interested to know that too since that would mean they're approving ~600 or sub-600 scores.
ETA: Also, congrats! Enjoy your 5% savings!
Congrats on the approval, and I'm happy to hear that the coffee didn't actually land on the kiddo!
If you had asked me a few years ago, I'd say the card never grows, but many of us have seen that when you use it every month, let a balance report on the statement, update your income monthly (even in the very likely case that it has stayed the same), and pay in full every month, it can and does grow! And the 5% is great since it comes off instantly at the register and can be stacked with other discounts like Cartwheel.
