@Joeliz27 wrote:
Yeah I really don't need it for that reason , just wanted to leave it there for a few months since is one of the first card I have since I started to re establish credit again I'm just gonna SD it or finish closing it sooner that I thought, thanx all for ur interest and watching me blah about this lol u guys are great
If you SD it they might lower the toy store CL even lower. That's what happened to me, I got a $1k SL used it a bit and then SD'd it for 8 mos and they lowered the CL to only $200. I'm the opposite of you, Walmart is 20 minutes away, nearest Target one hour, so I used it almost entirely online. I had to PIF before statement because even a $50 pair of boots put me at 25% util. I called and rep said my CL had been lowered because of "inactivity" but she would 'mark it for review'. That was a year ago. So I called and closed back in Feb. Rep asked why and I told her my Walmart card has a $5k CL, and target's $200 CL is insulting & useless. Rep got testy and told me if I close the account I can never ever get another Target CC. I told her "Great, sounds good to me!". Close this POS and move on, it's very satisfying. I thought I might get the Redcard debit card for the 5% discount & free shipping with no minimum amount of order, but so far I haven't bothered - after their data breach I'm not sure I want them to have my bank account #..
