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An update on my Target card situation

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Bandit5160
Contributor

An update on my Target card situation

Post deleted.  I was drunk and being a complete idiot.  F me.

Wells Fargo Active Cash (3K), Chase Amazon Prime Visa (5.6K), Discover It (18K), Chase Freedom Flex (5.7K), Capital One Quicksilver (6.75K), Apple Credit Card (6.5K), American Express Blue Cash Preferred (7.5K), Capital One Savor (5K), Costco Anywhere Visa Card by Citi (9K), Citi Double Cash MC (6K), Wells Fargo Propel AMEX (5K), Amazon Store Card (5K), Exxon Mobil Card (1.2K), Citi Best Buy Visa (6K), Shell Fuel Rewards MasterCard (4.2K), Bank Of America Cash Rewards MasterCard (8K), PayPal Credit (5K), Target RedCard (1.6K), FNBO BP Visa (5K), Synchrony MasterCard (7K), Fifth Third Bank Trio Mastercard (6.5K), Comenity King Size Card (1K), Wells Fargo Hotels.Com Rewards Visa (8.4K), Verizon Visa (5.5K), EBay MC (6.3K), Comenity Caesars Rewards Visa (5K). Sam’s Club MC (1.5K), My Walgreens MC (5K), Sony Card Visa (6.9K), My Chevrolet Rewards MC (9K), Wells Fargo Bilt MC (18K), AAA Cashback Rewards Visa (2K)


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Message 1 of 16
15 REPLIES 15
Jnbmom
Credit Mentor

Re: An update on my Target card situation

So you forgot to make your payment , they lowered your credit limit . You then called cursed them out and closed your account because they did "you" dirty but then turn around and apply for another card from this creditor who did you dirty ??? You might be very disappointed with a 300,00 credit limit instead of keeping your card and slowly increasing again ?

EXP 780 EQ 796 TU 810
Message 2 of 16
Bandit5160
Contributor

Re: An update on my Target card situation

Deleted

Wells Fargo Active Cash (3K), Chase Amazon Prime Visa (5.6K), Discover It (18K), Chase Freedom Flex (5.7K), Capital One Quicksilver (6.75K), Apple Credit Card (6.5K), American Express Blue Cash Preferred (7.5K), Capital One Savor (5K), Costco Anywhere Visa Card by Citi (9K), Citi Double Cash MC (6K), Wells Fargo Propel AMEX (5K), Amazon Store Card (5K), Exxon Mobil Card (1.2K), Citi Best Buy Visa (6K), Shell Fuel Rewards MasterCard (4.2K), Bank Of America Cash Rewards MasterCard (8K), PayPal Credit (5K), Target RedCard (1.6K), FNBO BP Visa (5K), Synchrony MasterCard (7K), Fifth Third Bank Trio Mastercard (6.5K), Comenity King Size Card (1K), Wells Fargo Hotels.Com Rewards Visa (8.4K), Verizon Visa (5.5K), EBay MC (6.3K), Comenity Caesars Rewards Visa (5K). Sam’s Club MC (1.5K), My Walgreens MC (5K), Sony Card Visa (6.9K), My Chevrolet Rewards MC (9K), Wells Fargo Bilt MC (18K), AAA Cashback Rewards Visa (2K)


EQ 764 TU 772 EX 781
Message 3 of 16
Jnbmom
Credit Mentor

Re: An update on my Target card situation

Well it may seem a little extreme over being a couple days late , but creditors do this unfortunately. But closing a card that you have had for a few years and I believe you recently got on upgrade to, to turn around and open another seems just as extreme as they were and really makes no sense credit wise at all .

EXP 780 EQ 796 TU 810
Message 4 of 16
Bandit5160
Contributor

Re: An update on my Target card situation

Deleted

Wells Fargo Active Cash (3K), Chase Amazon Prime Visa (5.6K), Discover It (18K), Chase Freedom Flex (5.7K), Capital One Quicksilver (6.75K), Apple Credit Card (6.5K), American Express Blue Cash Preferred (7.5K), Capital One Savor (5K), Costco Anywhere Visa Card by Citi (9K), Citi Double Cash MC (6K), Wells Fargo Propel AMEX (5K), Amazon Store Card (5K), Exxon Mobil Card (1.2K), Citi Best Buy Visa (6K), Shell Fuel Rewards MasterCard (4.2K), Bank Of America Cash Rewards MasterCard (8K), PayPal Credit (5K), Target RedCard (1.6K), FNBO BP Visa (5K), Synchrony MasterCard (7K), Fifth Third Bank Trio Mastercard (6.5K), Comenity King Size Card (1K), Wells Fargo Hotels.Com Rewards Visa (8.4K), Verizon Visa (5.5K), EBay MC (6.3K), Comenity Caesars Rewards Visa (5K). Sam’s Club MC (1.5K), My Walgreens MC (5K), Sony Card Visa (6.9K), My Chevrolet Rewards MC (9K), Wells Fargo Bilt MC (18K), AAA Cashback Rewards Visa (2K)


EQ 764 TU 772 EX 781
Message 5 of 16
Bandit5160
Contributor

Re: An update on my Target card situation

Deleted

Wells Fargo Active Cash (3K), Chase Amazon Prime Visa (5.6K), Discover It (18K), Chase Freedom Flex (5.7K), Capital One Quicksilver (6.75K), Apple Credit Card (6.5K), American Express Blue Cash Preferred (7.5K), Capital One Savor (5K), Costco Anywhere Visa Card by Citi (9K), Citi Double Cash MC (6K), Wells Fargo Propel AMEX (5K), Amazon Store Card (5K), Exxon Mobil Card (1.2K), Citi Best Buy Visa (6K), Shell Fuel Rewards MasterCard (4.2K), Bank Of America Cash Rewards MasterCard (8K), PayPal Credit (5K), Target RedCard (1.6K), FNBO BP Visa (5K), Synchrony MasterCard (7K), Fifth Third Bank Trio Mastercard (6.5K), Comenity King Size Card (1K), Wells Fargo Hotels.Com Rewards Visa (8.4K), Verizon Visa (5.5K), EBay MC (6.3K), Comenity Caesars Rewards Visa (5K). Sam’s Club MC (1.5K), My Walgreens MC (5K), Sony Card Visa (6.9K), My Chevrolet Rewards MC (9K), Wells Fargo Bilt MC (18K), AAA Cashback Rewards Visa (2K)


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Message 6 of 16
Bockrocker
Regular Contributor

Re: An update on my Target card situation

Stop having a temper tantrum and coming up with deranged plans.

Message 7 of 16
ptatohed
Senior Contributor

Re: An update on my Target card situation

You closed the credit card.  Then applied for both the credit card and a debit card from a company you hate.  Got it.  

[ Signature in dire need of updates. It's on my to-do list. Smiley Wink ]


5% CB rotating: ;
Everyday 3% CB: ;
Everyday 5%: ;
Companion Card: ;
Everyday 2.2% CB: ;
Retired to sock drawer after AOD (kept alive w/ 1 purchase every 6 mo): ;
On my radar: ;
Still Waiting for an Invite: ;
No hope:
Message 8 of 16
Horseshoez
Senior Contributor

Re: An update on my Target card situation

@Bandit5160, you got your knickers in a twist over a CLD and you acting like it is the end of the world.  Honestly, it isn't an issue which should cause such consternation; deal with it, move on.

Chapter 13:

  • Burned: AMEX, Chase, Citi, Wells Fargo, and South County Bank (now Bank of Southern California)
  • Filed: 26-Feb-2015
  • MoC: 01-Mar-2015
  • 1st Payment (posted): 23-Mar-2015
  • Last Payment (posted): 07-Feb-2020
  • Discharged: 04-Mar-2020
  • Closed: 23-Jun-2020

 

I categorically refuse to do AZEO!

In the proverbial sock drawer:
Message 9 of 16
xenon3030
Valued Contributor

Re: An update on my Target card situation

This is a good example on not taking a proper decision while being angry. It is better to postpone such decisions to a day or two.

 

You closed an account (only because of CLD) while you applied again for the same card. I do not know why you really need the store Target card, if they hate you. If they do not like to do business with you, they can do it again or they can provide a very low SL. You simply acted like a teenager but not an adult...

 

If you search around in this forum, you can find several good notes on the cards that can be helpful for you. In general, there is no need to go for store cards while by using a few cards, you can get ~3-5% on either in-store or online shopping at any store.


Fico8: EX~EQ~TU~840 (12 month goal~850).
BOA (CCR, UCR), Chase (CFF, CSP, Amazon, CIC, CIU), US Bank (Cash+, AR, Go, Ralphs), Discover, Citi (CCC, DC, SYW), Amex (BCP, HH, Biz Gold, BBC, BBP), Affinity CR, Cap1(Walmart), Barclays View.
Message 10 of 16
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