"Got It"
Target REDcard® Store Card Review
Written by: kellbell on 2008-05-08
Overall Satisfaction
Customer Service
Rewards
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Delivery Time
kellbell's review: 
I applied for this card around Christmas time and I thought that I wasn't approved. I sort of gave up on this one until I started applying for credit in late March and much to my surprise, was getting approved left and right. I decided to apply again whereupon I received correspondence from Target National Bank stating that they still had my application on file, but needed identity verification. They requested a utility bill in my name and a photocopy of my driver's license with my married name on it. I couldn't furnish either. My driver's license states my maiden name and all of my utilities are in the hubby's name. So I sent them a lengthy letter stating my position, some photocopies of receipts from online orders sent to my current address with my married name, and a photocopy of my pay stub.
I let that ride for a couple weeks and voila! The Redcard comes in the mail..$200.00 limit!
Should I call to ask for the Visa? Or even a CLI? It seems that everything is negotiable...
I applied for this card around Christmas time and I thought that I wasn't approved. I sort of gave up on this one until I started applying for credit in late March and much to my surprise, was getting approved left and right. I decided to apply again whereupon I received correspondence from Target National Bank stating that they still had my application on file, but needed identity verification. They requested a utility bill in my name and a photocopy of my driver's license with my married name on it. I couldn't furnish either. My driver's license states my maiden name and all of my utilities are in the hubby's name. So I sent them a lengthy letter stating my position, some photocopies of receipts from online orders sent to my current address with my married name, and a photocopy of my pay stub.I let that ride for a couple weeks and voila! The Redcard comes in the mail..$200.00 limit!
Should I call to ask for the Visa? Or even a CLI? It seems that everything is negotiable...
8 Comments
Comment 1 by wildrage2
CLI 
on 2008-05-08
From what I've read here, your chances at a higher limit are nearly null. Some people have reported having this card for a year and still stuck at $200.
on 2008-05-08 From what I've read here, your chances at a higher limit are nearly null. Some people have reported having this card for a year and still stuck at $200.
Comment 2 by kellbell
Bummer on 2008-05-08
Bummer. Maybe I will buy some chair pads for my outdoor patio set or something...
on 2008-05-08 Bummer. Maybe I will buy some chair pads for my outdoor patio set or something...
Comment 3 by hjm331
You Know What.... on 2008-05-08
I heard that if you make your first 3 monthly payments on time, they will give you an increase but I don't know by how much. That's something to look forward to though.
on 2008-05-08 I heard that if you make your first 3 monthly payments on time, they will give you an increase but I don't know by how much. That's something to look forward to though.
Comment 4 by casey
Not Impressed on 2008-05-08
I was never impressed with this card... Had it 9 months, still at the original $200. Sockdrawered...
on 2008-05-08 I was never impressed with this card... Had it 9 months, still at the original $200. Sockdrawered...
Comment 5 by arod
I Got The Same on 2008-05-08
I applied for the Visa they gave me the red card and a credit line of $200 and yes its now in... Take a guess... SOCK DRAWER... Any way good luck to you... This is there credit line for good and fair credit...
Alex
on 2008-05-08 I applied for the Visa they gave me the red card and a credit line of $200 and yes its now in... Take a guess... SOCK DRAWER... Any way good luck to you... This is there credit line for good and fair credit...Alex
Comment 6 by rivasglo
CL on 2008-05-08
Got this card 04/2007 started at $200. 3 months later I got an increase to $500 and now it sits a year later at that same $500... Good luck to you!
on 2008-05-08 Got this card 04/2007 started at $200. 3 months later I got an increase to $500 and now it sits a year later at that same $500... Good luck to you!
Comment 7 by meya
I Would Not Press My Luck on 2008-05-08
The $200 is there for a reason. In my case, I had the card for 5 months and could never get an increase, while others were receiving $300 cli's. So I canceled it. If I were you Kellbell, I will stop while you are ahead, the inquiries are going to start giving you denials from tier one and subprimed creditors. Just a little throw in for you, I know you make your won choices.
on 2008-05-08 The $200 is there for a reason. In my case, I had the card for 5 months and could never get an increase, while others were receiving $300 cli's. So I canceled it. If I were you Kellbell, I will stop while you are ahead, the inquiries are going to start giving you denials from tier one and subprimed creditors. Just a little throw in for you, I know you make your won choices.
Comment 8 by kellbell
You're Right on 2008-05-08
I went a little application crazy because I was so proud of myself that I had rebuit my credit. You are right that I will start getting denials because well, I was denied the GM card due to "too many inquiries" and "too many new accounts"!
on 2008-05-08 I went a little application crazy because I was so proud of myself that I had rebuit my credit. You are right that I will start getting denials because well, I was denied the GM card due to "too many inquiries" and "too many new accounts"!
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Disclaimer: This content is not provided by Target National Bank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Target National Bank. Review content is powered by Finance Globe.
