Target/TD will take you back!

cynicaldragon83 · ‎11-30-2022

I'd already been knocked out the garden seeking financing for some furniture (I move into my new place on the 1st!)...so I figured what's one more before my files automatically freeze again tomorrow .

After burning Target/TD in my BK for around $2K, they approved me for $900 ~3 months after DC. I mainly did it so I can get the extra 5% discount on a new TV. I also got another 5% discount cause it's my birthday month.

EQ was pulled and my score there is 680-ish.

Bought the TV on Friday and paid the account today.

To the garden I go!

M_Smart007 · ‎11-30-2022

Congrats on your Approval and new TV

Jeffster1 · ‎11-30-2022

Congrats on the approval! 🎉

I'm good with my Target Debit card which I got during my 13. I IIB My Target Visa which I had had for about 15 years. If they ever rethink their approach to allow a direct application for their MC, I might reconsider it.

FICO 8 (3/1/24) EX 805 EQ 824 TU 844
FICO 9 (2/17/24) EX 821 EQ 778TU 850
I practice AZEO - NEVER above 1% utilization across all cards.

Current lineup as of 9/23
American Express Gold | American Express Blue Cash Everyday 11K | American Express Blue Cash Preferred 10K I American Express Marriott Bonvoy Bevy 5K I American Express Hilton Honors Surpass 3K I Bank of America Customized Cash Rewards Visa 20K | Kinecta MyPerks Rewards MC 35K | TD Bank Double Up Visa 4K | USBank Platinum Visa 5K | BMO Harris Cash Back MasterCard 12K | Capital One SavorOne MC 3K | Capital One Walmart MC 2K | NFCU Amex 15K | NFCU CashRewards Visa 15K I Citi Best Buy Visa 10K I Macy’s Amex 4K I Bread Financial American Express 8K l AAA Daily Advantage Visa Signature 6K I Wells Fargo BILT World Elite MC 30K I BCU Cash Rewards Visa 8K I Chevron Techron Advantage Visa 2.5K I JCPenney Mastercard $6K I UCLA Wescom CU Rewards Visa 7K I

SUPERSQUID · ‎11-30-2022

CONGRATS!!!!!

900 sl is super excellent for the target red card 3 months post bk.

I never heard of the 5 pct off for your birthday month, its not in my red card terms.

{ BK7 DC 12/2019 } target 1600/ kohls Visa 7000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 3000 /first savings bank cc 3000/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 40k
Total utilization around 20 pct depending on my current usage/needs
Ficos in the 680 - 690 range, the 9's slightly higher than the 8's
My vantage scores 708 - 711
TCL - about 110k
Retired since 2017

cynicaldragon83 · ‎11-30-2022

@SUPERSQUID wrote:
CONGRATS!!!!!
900 sl is super excellent for the target red card 3 months post bk.
I never heard of the 5 pct off for your birthday month, its not in my red card terms.

I think the extra 5% during your birthday month is part of the Target Circle reward thing. In store only too, I believe.

GZG · ‎11-30-2022

Congratulations!

Starting FICO 8:

Current FICO 8:

3/6, 5/12, 14/24

Jeffster1 · ‎11-30-2022

@SUPERSQUID wrote:
CONGRATS!!!!!
900 sl is super excellent for the target red card 3 months post bk.
I never heard of the 5 pct off for your birthday month, its not in my red card terms.

Yup...900 is excellent, especially a few months after DC. Most approvals seem to be around 300 bucks.

FICO 8 (3/1/24) EX 805 EQ 824 TU 844
FICO 9 (2/17/24) EX 821 EQ 778TU 850
I practice AZEO - NEVER above 1% utilization across all cards.

Current lineup as of 9/23
American Express Gold | American Express Blue Cash Everyday 11K | American Express Blue Cash Preferred 10K I American Express Marriott Bonvoy Bevy 5K I American Express Hilton Honors Surpass 3K I Bank of America Customized Cash Rewards Visa 20K | Kinecta MyPerks Rewards MC 35K | TD Bank Double Up Visa 4K | USBank Platinum Visa 5K | BMO Harris Cash Back MasterCard 12K | Capital One SavorOne MC 3K | Capital One Walmart MC 2K | NFCU Amex 15K | NFCU CashRewards Visa 15K I Citi Best Buy Visa 10K I Macy’s Amex 4K I Bread Financial American Express 8K l AAA Daily Advantage Visa Signature 6K I Wells Fargo BILT World Elite MC 30K I BCU Cash Rewards Visa 8K I Chevron Techron Advantage Visa 2.5K I JCPenney Mastercard $6K I UCLA Wescom CU Rewards Visa 7K I

coreyb80 · ‎11-30-2022

Congrats on the approval!

CreditAggie · ‎11-30-2022

Congratulations on your Target approval!

Current Cards (in order of approval):

Current FICO 8 | 9 (February 2024):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

Catbird_Seat · ‎11-30-2022

Very nice SL & getting back in with Target.

I got a Target Redcard with a starting line of $400 1 year after BK7 DC & one year later they gave me a CLI of $200. I'd buy something every other month & pay it off a week later. Not a huge increase but I'll take it.