Target Credit Card Question?

[Anonymous]

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Brammy wrote:

They offfered upgrade at a yr with a 1k limit.  Still sucky...  I hardly every used the store card.  I did use the visa more often but never for more than 100.00 and of course always PIF.

Message Edited by Brammy on 12-16-2007 09:07 PM

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So Ducky and Brammy would you say that you do NOT recommend this card? Inquiring minds want to know.

I am just thinking that it doesn't grow w/ you...kind of like my HSBC that has only grown to 500 when I have much, much bigger CL's to use...

[Anonymous]

that's my line of thought. won't, slow at best to grow. if it ever does the rate is way high.

it's one of the cards i've offered to chop in order to obtain a cu visa. i've had it w/accounts that have high rates, no real rewards, high rates and won't take the training wheels off!

[Anonymous]

Like most store cards, this is one of those YMMV things, and it depends on how often you shop at the store in question.

I love my Target RedCard, but that's because we spend a ton of money at Target, and have for years.  Those 10% off rewards really come in handy if you're a frequent shopper.  I'm still at the crappy $200 CL, but will be looking for my auto-CLI to $500 this month hopefully.

[Red1Blue]

Hi Cheddar, how many months do we have to wait to go from 200 to 500 CL?

[Anonymous]

I've heard different thoughts on the card.  I have heard CLIs well into 6-7k BUT looking at the T&Cs itjst seems that he interest rate is prohibative for any real use.  Nothing they offer would inspire me to charge that much on the card unless they were offering a heck of a APR for balances and they are the highest APR card I have.  I've heard of special offers for interest rates in the 9% range.

For me its jsut not a valuable card.  Im not working for Target, I want Target to work for me.

[Anonymous]

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concorduser wrote:

Hi Cheddar, how many months do we have to wait to go from 200 to 500 CL?

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Word on the street is that the auto-CLI from $200 to $500 generally happens on the third billing cycle, although there is nothing "automatic" about it.  They are known to be a bit unpredictable.

[Red1Blue]

Is there any AF for the Target Visa Card? If there is no AF, I would wait for the CLI for about a year and let them issue me a Visa Card with at least 1k CL. That way account can age nicely and add to my CR. If it is less than 1K and not a Visa, I might close it. It is been 2 months since I opened the card. I'll wait couple of more months and see if they give CL.

[Anonymous]

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concorduser wrote:

Is there any AF for the Target Visa Card? If there is no AF, I would wait for the CLI for about a year and let them issue me a Visa Card with at least 1k CL. That way account can age nicely and add to my CR. If it is less than 1K and not a Visa, I might close it. It is been 2 months since I opened the card. I'll wait couple of more months and see if they give CL.

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No annual fee on the Visa. The APR is almost the same as the store card tho.

[Red1Blue]

Hi Brammy, when they upgraded your card, did they add a new entry for the visa card or did they remove the old entry and add the new visa card number. I want to see if we can keep the history when they upgarde the account to visa.

[Anonymous]

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concorduser wrote:

Hi Brammy, when they upgraded your card, did they add a new entry for the visa card or did they remove the old entry and add the new visa card number. I want to see if we can keep the history when they upgarde the account to visa.

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The tradeline just converted to the Visa card, all history and everything.  Can't even tell it was once a store.