Great card!
I started out with a $300 limit on this card 13 months ago. Both CK scores were around 600 when I applied. My balance was frequently increased by a sizable amount - my current limit is $2,400! A tip I heard for this card, which has paid off immensely I believe, is to frequently update your income - even if it hasn’t changed. I did this faithfully every 3 months and nearly every time I did, the next billing statement reflected a higher limit.
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Interest rate is highway robbery.
I opened this card years ago when I needed to build credit in my own name. It's easy to apply for and easy to get. The 5% discount is nice, but the 24% interest rate makes the 5% worthless unless you are able to pay off your balance every month. After a year or two, I was offered to switch the Target Red Card to a regular credit card (still owned by Target) that could be used anywhere with a $10K limit. I needed to make a couple large, unavoidable purchases. No matter how many times I called or wrote. No matter how good my credit and repayment history was, they would NOT reduce that interest rate. Completely shameful. I finally applied for and received a different card and moved the balance to that card with no interest for a year. I paid off what would have taken at least five years with the Target card in 18 months with the new one. Don't accept this card unless you really need to build your credit! You will NOT save any money at Target.
Great card
Like it very much.
Great card
Terrible Service, OLAM is deplorable
Calling in to their service number is a joke, you CANNOT just talk to a person. Their online account manager is a terribly designed website, and they dont even offer a live chat feature, so I have to call in about most things. Super dumb!
Bad for your credit score.
The card is from TD bank. They are terrible. I just checked my credit score, it came down because my balance went up from $0 to $3. This is not the first time this has happened. At this point, I am thinking of cutting it up and forget about. Compared to my other Bank of America card, this is terrible.
Excellent Approvals
Time to cut the debit target and add the NEW RED card to your wallet because i own it.
Nice to have
I started out with a $300 CL. I got this card to help my credit, but it has still not shown up on my credit report.
It is a convenient card to have
It does reflect on Credit score HOWEVER if you use it only use 3% of credit cuz it takes FOREVER for it to update after payment is made and it pulls ur Credit score down.
Love this card
Game changer
Didn’t expect to get approved with my recent luck regarding credit but here I am on my way to discounts at my favorite store!
Would you mind sharing what your credit score was at the time of application and what limit you were approved for?