"It's Me Again"
Target REDcard® Store Card Review
Written by: yoyo11 on 2008-04-14
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
yoyo11's review: 
Hello again... As everyone knows I'm trying to get me credit together to by that condo in a year or two. Since I've actually started to improve my credit...60 points were added to my score in a three month period... Was 502 now my highest is 574. I've applied to Target about 7months ago... My score was around 525 at that time. As much as I shop at Target I should own stock!! When should a reapply? Its it a good time now?... I'm goint to the store Satuday and wondering if I should apply in the store... Please advise..
1st Premier $250, 2nd 1st Premier, Orchard $300, 2nd Orchard $500, Tribute $600, Salute $450, Hooters $500. Crown Jewerly $1,500(did not open yet) Fingerhut $400
Hello again... As everyone knows I'm trying to get me credit together to by that condo in a year or two. Since I've actually started to improve my credit...60 points were added to my score in a three month period... Was 502 now my highest is 574. I've applied to Target about 7months ago... My score was around 525 at that time. As much as I shop at Target I should own stock!! When should a reapply? Its it a good time now?... I'm goint to the store Satuday and wondering if I should apply in the store... Please advise..1st Premier $250, 2nd 1st Premier, Orchard $300, 2nd Orchard $500, Tribute $600, Salute $450, Hooters $500. Crown Jewerly $1,500(did not open yet) Fingerhut $400
12 Comments
Comment 1 by meya
Good Question 
on 2008-04-15
Go into the store and apply, but work on getting a cli first on every last one of the cards that you have. Good luck on the card!
on 2008-04-15 Go into the store and apply, but work on getting a cli first on every last one of the cards that you have. Good luck on the card!
Comment 2 by eric
Debit Card on 2008-04-15
Use your debit card at the store... Alot of time if your looking for a pre approval, if you use your debit they will flag you and let you know that you have been pre-approved... The PA's are like gold I haven't heard of anyone getting declined after getting the PA at target.
on 2008-04-15 Use your debit card at the store... Alot of time if your looking for a pre approval, if you use your debit they will flag you and let you know that you have been pre-approved... The PA's are like gold I haven't heard of anyone getting declined after getting the PA at target.
Comment 6 by debtor00
Hey, Give It A Try on 2008-04-16
This will be the next card in your progression to a super credit history. Try to get the preapproval at the register first by paying with your debit card. If that doesn't work, try it on line... How's this for inspiration... Last March Target didn't immediately approve my fiance's target card ( he got the 7 day deal but it arrived in the mail to his surprise) Today he has got 3 cards with limits between 6 and 9 thousand dollars EACH, a great new house and car!! Target was the first one he tried for. So push it girl!!! Start rebuilding that credit!!!
on 2008-04-16 This will be the next card in your progression to a super credit history. Try to get the preapproval at the register first by paying with your debit card. If that doesn't work, try it on line... How's this for inspiration... Last March Target didn't immediately approve my fiance's target card ( he got the 7 day deal but it arrived in the mail to his surprise) Today he has got 3 cards with limits between 6 and 9 thousand dollars EACH, a great new house and car!! Target was the first one he tried for. So push it girl!!! Start rebuilding that credit!!!
Comment 7 by yoyo11
Debtoor00 on 2008-04-16
I'm scared... But i'll try... So from my understanding... Use my regular check/card as a debt... For pay for purchase... See if there's a pre approval on the receipt... And go from there... Right?
on 2008-04-16 I'm scared... But i'll try... So from my understanding... Use my regular check/card as a debt... For pay for purchase... See if there's a pre approval on the receipt... And go from there... Right?
Comment 8 by debtor00
Yep on 2008-04-16
I remember when I got my target preapproval. I didn't have a wonderful sight like this one to let me know it was legitimate so I really doubted it was for real!!! It was like a crack of light and hope after a while with only Orchard!!! I was certain it must be some sort of mistake and I was even too ashamed of public hiumilation to accept the offer right there in front of the line... So how about I took the receipt that had the preapproval on it to the target store the next town over to customer service far back in the corner where no one was to see if it was really true!!! I was so encouraged by the new credit card that the next day I applied for a jc penny card right there at the register in front of God and everyone and was APPROVED!!! Boy what a feeling. I think you've hit your stride with the hooters and the Orchard cli and the extra Orchard. So good luck to you!! I know really soon you'll be canceling the subprime cards. I just recently canceled my Orchard and another HSBC card that worked exactly like Orchard. I kept my Direct Rewards though since it didn't have an annual fee. I needed to keep something aged on my credit report.
on 2008-04-16 I remember when I got my target preapproval. I didn't have a wonderful sight like this one to let me know it was legitimate so I really doubted it was for real!!! It was like a crack of light and hope after a while with only Orchard!!! I was certain it must be some sort of mistake and I was even too ashamed of public hiumilation to accept the offer right there in front of the line... So how about I took the receipt that had the preapproval on it to the target store the next town over to customer service far back in the corner where no one was to see if it was really true!!! I was so encouraged by the new credit card that the next day I applied for a jc penny card right there at the register in front of God and everyone and was APPROVED!!! Boy what a feeling. I think you've hit your stride with the hooters and the Orchard cli and the extra Orchard. So good luck to you!! I know really soon you'll be canceling the subprime cards. I just recently canceled my Orchard and another HSBC card that worked exactly like Orchard. I kept my Direct Rewards though since it didn't have an annual fee. I needed to keep something aged on my credit report.
Comment 9 by galxygrl
Fingerhut on 2008-04-16
Good luck and I hope you get the card! Keep us posted. I just have a quick question. What is Fingerhut? I got an actual card in the mail that I did not apply for from them. They gave me a 6,000 CL, but I have not done anything with it. It is sitting in my drawer. I tried to call the number on the card or letter it came with, but I cant speak to a real person. It is only automated to activate the account. Which I don't want to do because I know nothing about Fingerhut. If anyone can shed some light. Thnx, galxygrl*
on 2008-04-16 Good luck and I hope you get the card! Keep us posted. I just have a quick question. What is Fingerhut? I got an actual card in the mail that I did not apply for from them. They gave me a 6,000 CL, but I have not done anything with it. It is sitting in my drawer. I tried to call the number on the card or letter it came with, but I cant speak to a real person. It is only automated to activate the account. Which I don't want to do because I know nothing about Fingerhut. If anyone can shed some light. Thnx, galxygrl*
Comment 10 by meya
Re:YoYo on 2008-04-16
You are already signed in The Finance Network, look over to your right and click the link or use this link.
http://www.Financeglobe.com/SocialNet/index.php?page=forum§ion=topic&top_id=100093
on 2008-04-16 You are already signed in The Finance Network, look over to your right and click the link or use this link.http://www.Financeglobe.com/SocialNet/index.php?page=forum§ion=topic&top_id=100093
Comment 11 by yoyo11
Galxgrl..and Fingerhut on 2008-04-16
Fingerhut has been around for about 1000 years. A merchanise credit card. You can only order from their catalog. Just go to www.Fingerhut.com... And you can view their products... But watch out because some prices are 10% to 30% higher than the regular stores. I purchased a Fossil watch that was $65... On the Fossil web site it was still $65 so I purchased it from Fingerhut. There's the Black and Decker toaster over on Fingerhut site for $199, Target has it on their site for $119. Fingerhut does report to the credit bur... So I say use them just to open the account and pay the small monthly payments. Oh if you make a payment on line, it's $1.00.
on 2008-04-16 Fingerhut has been around for about 1000 years. A merchanise credit card. You can only order from their catalog. Just go to www.Fingerhut.com... And you can view their products... But watch out because some prices are 10% to 30% higher than the regular stores. I purchased a Fossil watch that was $65... On the Fossil web site it was still $65 so I purchased it from Fingerhut. There's the Black and Decker toaster over on Fingerhut site for $199, Target has it on their site for $119. Fingerhut does report to the credit bur... So I say use them just to open the account and pay the small monthly payments. Oh if you make a payment on line, it's $1.00.
Comment 12 by lyyssa01
Fingerhut on 2008-04-16
God, I didn't even know they were still around. Its been years since I've gotten one of their catalogs.
on 2008-04-16 God, I didn't even know they were still around. Its been years since I've gotten one of their catalogs.
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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.
