Yes indeed. Plus it makes the utilization look horrible.

The only perk is after spending $1k, you get a 10% off coupon...which automatically excludes half of the store.

So I guess a person with a $200 stick-it-to-me cl will have to max their cards out 5 X's in order to get a 10% coupon.:

When I had my card with Target, I used to use my debit card because I would end up spending more than what my target limit was.

I agree, if they do approve you for the regular card, its usually a low limit and if you're lucky enough to get the visa, the limit is usually higher, but the apr isn't usually anything to brag about. I love Target and they're closer to me than Walmart, but when it comes to bargains, Walmart wins.

Ditto! You know I can not stand Target

I shop at Target to get common household items, but not enough to merit having a card from Target. AND if I did use that card, I could easily spend $200 and be at 50% utilization. The only perk is after spending $1k, you get a 10% off coupon...which automatically excludes half of the store.

Ditto! You know I can not stand Target:upset:

I agree with Interjack.

I am so freakin over target. I have applied for their card 3 times already and they keep denying me. I don't know why I am fighting for their low CL, I think its just trying to prove to myself that I can get the card. I applied for them a couple of weeks be4 xmas and nothing. I get a letter in the mail and the only reason why I was denied was "too many recent inquiries." Have you gone mad? I have had 2 inquiries in the past 90 days (experian) and 8 in the last 12 months. And the messed up part is, in the past 90 days both inquiries were from them. What a joke!!!!

I wouldn't worry about them. It looks like they are trying sell off their bank division anyway. They aren't giving CLIs and they will probably stick you with a $200-$400 limit.

I am so freakin over target. I have applied for their card 3 times already and they keep denying me. I don't know why I am fighting for their low CL, I think its just trying to prove to myself that I can get the card. I applied for them a couple of weeks be4 xmas and nothing. I get a letter in the mail and the only reason why I was denied was "too many recent inquiries." Have you gone mad? I have had 2 inquiries in the past 90 days (experian) and 8 in the last 12 months. And the messed up part is, in the past 90 days both inquiries were from them. What a joke!!!!

Anyone here have an Authorized User on their Target Red Card????

If so.... Do you know if the Target Red Card reported to the AU's Credit Report????

I added my younger brother, so he could piggyback and start building his credit but when I called I was told it wasn't going to report unless he was a Joint Cardholder...

I just wanna know cause if it isnt gonna report then Ill just remove him, but im still gonna wait till the next bill closes and check his CR just to make sure. I just dont want it to end up on my Father's CR because they have the same name except my brother is a JR.

wow, Thats A Nice Credit Line From Target. Normally They Give $200cl. Is This The Redcard Or The Visa??????
Well, Congrats To Your Friend For A Nice Limit. Maybe His Score Aint That Bad After All. Heck I Found Mine To Be Lower Than My Dad's And He Has A Ton Of Medical, Credit, And A Near-forclosure On His Report. Idk.

Its The Redcard

Hello Network well I was out shopping with one of my friends from when i was high school today we were at target and man my friend has bad credit and a BK from this year but today some how he got a target card with a credit line of $900 and he was so HAPPY to have a credit card NOW

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Wow. Maybe I shouldn't be so afraid to apply? Holy High CL Batman.

WOW, thats a nice credit line from Target. Normally they give $200CL. Is this the RedCard or the Visa??????
Well, congrats to your friend for a nice limit. Maybe his score aint that bad after all. Heck I found mine to be lower than my dad's and he has a ton of medical, credit, and a near-forclosure on his report. IDK.

Hello Network well I was out shopping with one of my friends from when i was high school today we were at target and man my friend has bad credit and a BK from this year but today some how he got a target card with a credit line of $900 and he was so HAPPY to have a credit card NOW

Hello all so I was just on another credit site and people were complaining about how stingy target is with their CLIs. Another poster posted this link that may explain why they are not really seeking to give increases.

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This one works, I find the article quite interesting, and i do believe that msn has another story on target, I will look for it.