cancel
Showing results for 
Search instead for 
Did you mean: 

TD Bank, Target Redcard, and other TD Bank cards

hmxhmx
Valued Member

TD Bank, Target Redcard, and other TD Bank cards

Right now I have the Target Red card credit card (for use only in target). 

because it is only for use in target, it doesn't get used very often. If I could get TD Bank to use grade this to the mc/visa it'd get a lot more use.

 

Meanwhile, every month, I get email and postal solicitations from TD Bank for their other cards that don't really do a lot for me.

 

Is there a way ot get TD Bank to bump up my existing red card so that it's more useful? 

Message 1 of 5
4 REPLIES 4
coldfusion
Community Leader
Mega Contributor

Re: TD Bank, Target Redcard, and other TD Bank cards

Short answer is no.

 

Their initial application process changed maybe about a year ago such that some new applicants may end up with a MasterCard immediately but for an existing RedCard holder they only way to upgrade the store card is still for TD to unilaterally decide to upgrade you.

(9/2023)
FICO 8 (EX) 825 (TU) 841 (EQ) 848
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 2 of 5
user365735
Regular Contributor

Re: TD Bank, Target Redcard, and other TD Bank cards

Consider yourself lucky..I've had the card for 3 months and so far no invites. I've already been declined earlier in the year for regular td cards so I don't plan on applying until I get some pre approval flyers..

Message 3 of 5
NoMoreE46
Community Leader
Valued Contributor

Re: TD Bank, Target Redcard, and other TD Bank cards


@coldfusion wrote:

Short answer is no.

 

Their initial application process changed maybe about a year ago such that some new applicants may end up with a MasterCard immediately but for an existing RedCard holder they only way to upgrade the store card is still for TD to unilaterally decide to upgrade you.



And to add upon that point, once your store only card reaches a CL of  $4000 (avg), it typically gets upgraded to the MC version.

 

Message 4 of 5
hmxhmx
Valued Member

Re: TD Bank, Target Redcard, and other TD Bank cards

that helps. my CL on the red card is $2k or $3k and it never changes (i would  never spend thst much at target!) I spend, at most, a few hundred dollars each month. 

Message 5 of 5
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.