Brammy - doesn't your Target card offer the 10% after 1000 points purchase? They also give a percentage of your usage to a local school, and they give you more coupons if you use it to buy prescriptions. I shop at Target all the time, so that is the card I use there just for the points. Also, I discovered they only raise your CL if you use the card regularly (a CSR told me that I wasn't getting more CLIs because I didn't use my card enough, but go figure).
Actually they do offer thoe things but after a year of tracking it I don't find that its worth it. I have had the card for almost 18 mos and just don't use it enough at their store to qualify. For purchases outside of target those points are very hard to come by. the contributions to my son's school combined (accrdingto their records) is little of nothing.Basically that will get me 3.00 off my next purchase. The fact that their interest rate isso high precludes me from carrying any type of balance on the card which I would have to do to make it worth it. (See siggy)
I push love from AMEX . because myfico say your cl too low , ask them more , lolz . now I am really stop . One thing I know if you got more cl . more you spent . so I don't want no more , I have total 4 now .
Whether you spend more or not depends on you. I have cards I only use for special things and then I rotate the other cards I have and PIF.