Target RedCard Approval

Anonymous · ‎05-02-2021

I decided to app for the Target RedCard and was approved for $900 with $900 in temporary credit.

I'm more a Walmart guy myself but occasionally shop at Target so the 5% CB is nice to have if the situation arises. Also TD Bank has an address on my EX report that I can't get rid of. Never lived there, never got mail there, tried to dispute it twice with Experian and no luck. So I figured now that I have their credit card again they should be helpful in removing the incorrect information.

Some DPs: They pulled Transunion, score at time of approval 687, I burned them in BK7 in March 2018 for $500, 13 Inquiries on TU, 6 fall off in 2021.

I'm curious to see if I can grow it and at some point get the MC.

M_Smart007 · ‎05-02-2021

Congratulations on your approval!

AllZero · ‎05-02-2021

Congratulations on your approval!

gdale6 · ‎05-02-2021

Grats on the Target Red approval

For intransigence on the address, if they fail to correct it then you can file a CFPB complaint on them.

gingerflower · ‎05-02-2021

Congratulations!

Golf-and-Credit · ‎05-02-2021

Congrats on the Target approval!!!

Experian FICO 8: 826/2 inq’s 1/12, 3/24
Equifax FICO 8: 820/3 inq’s 1/12, 3/24
Transunion FICO 8: 821/2 inq’s 0/12, 2/24

AMEX Platinum: NPSL
AMEX Gold: NPSL
AMEX Everyday Preferred: $22,500
Capital One Quicksilver: $5750
Numerica Credit Union Platinum: $2000
Military Star: $8300
1% utilization

CreditAggie · ‎05-02-2021

Congratulations on your Target approval!

Current Cards (in order of approval):

Current FICO 8 | 9 (December 2025):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

chalupaman · ‎05-02-2021

I have that card for the second time. It was a higher limit than last time when it was only $300 but eh, it's SD for me at this point. I will still occasionally use it. Congrats!

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down