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Target REDcard® Store Card Review
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Written by: marym on 2008-06-19

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marym's review: Callout Comment 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 1 by brian23
Congrats User Icon on 2008-06-19

Remarks On the approval and the infamous $200 CL...
Comment 2 by kimi
PIF Or Balance User Icon on 2008-06-19

Remarks 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? User Icon on 2008-06-20

Remarks 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 User Icon on 2008-06-20

Remarks 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... User Icon on 2008-06-20

Remarks 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 User Icon on 2008-06-20

Remarks 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 7 by yoyo11
Wildrage2 User Icon on 2008-06-21

Remarks They pulled my TU at the time around 582
Comment 8 by islandlo36
Credit Limit User Icon on 2008-06-26

Remarks Does anyone have a redcard with a credit limit of more than $500?
Comment 9 by marym
Over 500 User Icon on 2008-09-10

Remarks I think I heard Target will issue you a target Visa when they put you over $500.
Comment 10 by hjm331
RE: MaryM User Icon on 2008-09-10

Remarks Getting to the $500 CL on a Target card is a mission!
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