"Finally"
Target REDcard® Store Card Review
Written by: marym on 2008-06-19
Overall Satisfaction
Customer Service
Rewards
Account Management
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marym's review: 
I have applied over and over for this card. Everytime I did I would get a letter saying they couldn't verify my address and phone number. So I call and answered some questions and they tell me congrats your approved. I have a $200.00 credit limit.
I heard that if you wait 3 months they will raise your credit limit to $500. What I'm wondering is it better to PIF or leave a balance. I really don't want to be stuck with a 200 limit forever.
I have applied over and over for this card. Everytime I did I would get a letter saying they couldn't verify my address and phone number. So I call and answered some questions and they tell me congrats your approved. I have a $200.00 credit limit. I heard that if you wait 3 months they will raise your credit limit to $500. What I'm wondering is it better to PIF or leave a balance. I really don't want to be stuck with a 200 limit forever.
10 Comments
Comment 2 by kimi
PIF Or Balance 
on 2008-06-19
As stated on nationalscoreindex.com which is an experian official site it's better to leave a balance for your own good, this raises your score when there is a balance on your report.
so if you spend $40 pay off $25 and keep $15 as a balance.
also never charge over 30% of you limit. If it was me I would do this for ist 3 months then zero out(pif) every month so I wont forget the remaining balnce next month.
on 2008-06-19 As stated on nationalscoreindex.com which is an experian official site it's better to leave a balance for your own good, this raises your score when there is a balance on your report.so if you spend $40 pay off $25 and keep $15 as a balance.
also never charge over 30% of you limit. If it was me I would do this for ist 3 months then zero out(pif) every month so I wont forget the remaining balnce next month.
Comment 3 by wildrage2
Pull? on 2008-06-20
Can anyone verify who this card pulls from at application?
I've been wanting this card, but my TU and EQ is 625 but my EXP is a lonely 570 :-
on 2008-06-20 Can anyone verify who this card pulls from at application?I've been wanting this card, but my TU and EQ is 625 but my EXP is a lonely 570 :-
Comment 4 by arod
Wildrage 2 on 2008-06-20
I have this card same credit line $200 CL they pulled a Transunion on me it was 677 at the time.
Thanks,
Alex
on 2008-06-20 I have this card same credit line $200 CL they pulled a Transunion on me it was 677 at the time.Thanks,
Alex
Comment 5 by rivasglo
My 2 Cents And What I Did... on 2008-06-20
I applied 04/2007, approved for $200.
When I got the card... I nearly maxed out...2 online purchases and 2 instore...$189 balance on my first bill... I pif.
2nd bill... I charged $98 instore and pif.
3rd bill... A CLI to $500, charged $73 and made 2 pymts to pif.
This is what I did and I got the CLI on my 3rd stmt... Maybe its a mixture of shopping there ALOT and PIF.
IDK, hopes this helped!
on 2008-06-20 I applied 04/2007, approved for $200.When I got the card... I nearly maxed out...2 online purchases and 2 instore...$189 balance on my first bill... I pif.
2nd bill... I charged $98 instore and pif.
3rd bill... A CLI to $500, charged $73 and made 2 pymts to pif.
This is what I did and I got the CLI on my 3rd stmt... Maybe its a mixture of shopping there ALOT and PIF.
IDK, hopes this helped!
Comment 6 by meya
Puller on 2008-06-20
Target is normally a Transunion and equifax puller, but they have pulled experian on a few people. When the cb gets busy when they are pulling your report, it automatically reroutes the creditor to the next availabe cb. This is why I try to keep my toes tapplying when I get my cr pulled by creditors.
on 2008-06-20 Target is normally a Transunion and equifax puller, but they have pulled experian on a few people. When the cb gets busy when they are pulling your report, it automatically reroutes the creditor to the next availabe cb. This is why I try to keep my toes tapplying when I get my cr pulled by creditors.
Comment 8 by islandlo36
Credit Limit on 2008-06-26
Does anyone have a redcard with a credit limit of more than $500?
on 2008-06-26 Does anyone have a redcard with a credit limit of more than $500?
Comment 9 by marym
Over 500 on 2008-09-10
I think I heard Target will issue you a target Visa when they put you over $500.
on 2008-09-10 I think I heard Target will issue you a target Visa when they put you over $500.
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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.
