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Target REDcard® Store Card Review
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Written by: brandie on 2008-01-05

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brandie's review: I have scores in the high 500 to low 600 range and I was approved... Also have a Collection account from 2004 and 2 student loan lates of 120 to 150 days late from last year reporting...

I was approved for $200 after 3 months they increased my limit to $500... I use the card a lot and always pay in full...

I do not keep my balance at the recommended 30% I used up the whole $200 when my credit limit was at $200 and now I spend $300 this is my strategy for getting increases with them...(I figure if they see you spending most or all of what they give you and can pay it off in full for at least 3 consecutive months they will give you more so you have more to spend in their store..)

My goal is to get upgraded to the Visa at that point I will keep my balance at 30% to improve my scores...

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