Red Card-Is it worth it?

[Anonymous]

---

creditworthyagain wrote:

Approved for $200. But decided to cancel card.  Did not know that was normal. 

---

If you still want it it could be pretty easy to reopen depending on how long its been closed.

[SpecFile]

Thanks for all of the replies.  I have a pretty good idea what I should do now.  BTW Brammy if the checkout person approves me for the card, technically I didn't have to apply or fill out an app. so I'm not going against Sleigh Center policy.

[Anonymous]

---

SpecFile wrote:

Thanks for all of the replies.  I have a pretty good idea what I should do now.  BTW Brammy if the checkout person approves me for the card, technically I didn't have to apply or fill out an app. so I'm not going against Sleigh Center policy.

---

No fair, you wrote the policy manual. You know where all the loopholes are!

[SpecFile]

---

sleigh17 wrote:

---

SpecFile wrote:

Thanks for all of the replies.  I have a pretty good idea what I should do now.  BTW Brammy if the checkout person approves me for the card, technically I didn't have to apply or fill out an app. so I'm not going against Sleigh Center policy.

---

No fair, you wrote the policy manual. You know where all the loopholes are!

---

[George2037]

Just got a $200 limit, with a 688 equifax Fico????

Anyways, I only have two other store cards and wanted to make my "Mix" a little better.  I figure $200 limit is better than nothing, as long as I keep it $0

[laryn41]

I am putting this on in the sock drawer as well.  Been with them for 2 years and cant catch a break. Going to put it away for the time being.  Should i fake to close the account?  Sometimes that works.

[Anonymous]

---

laryn41 wrote:

I am putting this on in the sock drawer as well.  Been with them for 2 years and cant catch a break. Going to put it away for the time being.  Should i fake to close the account?  Sometimes that works.

---

I wouldn't threaten it, I would lt them know that you are considering it.  You may be hit with a response.  'Okay ma'am would you like me to close that for you today?'. Target used to be credit sticklers when it came to the VISA average FICO 740. I know that hey are in the process of converting more to the Target card but I think thy are only doing them a few at a time.  Be patient, use it sparingly and they may convert and increase.

Target just wasn't on my normal route so I had to make an effort to stopby every three months or so and buy pet food or whatever.  Think they just figured if they converted it to VISA I could use it in more places.  Worked.  I have used that card more since it had the VISA logo than since I got it.  But at that interest rate still treat it like a store card ad PIF

[laryn41]

Gotcha thank you.