The Target Credit Card credit score requirement is 640 or better. That means you’ll need a “fair” credit score. The Target Credit Card is a store card, and just about all store credit cards require fair credit. But because it’s a store credit card, it can only be used to make Target purchases, in-store and online.
When you apply for a Target credit card, your credit score is one of the major factors that TD Bank (the card’s issuer) will consider. But it’s not the only factor. Your income, employment status, debts and housing information matter, too. But generally speaking, the higher above 640 your score is, the better your odds of approval are.
Target Credit Card: Credit Score Needed & Other Requirements
You can apply for the Target REDcard online, by mail, or in person at a local Target store. When you apply online, you may be approved instantly, or your application may require additional review. A decision on a pending application can take 7-10 business days.
If approved, you will receive a minimum starting credit limit of $250. You will also be able to make purchases the same day you’re approved. You get temporary card information to use until your actual card arrives.
The Target credit card gives you a 5% discount on Target and Target.com purchases. You’ll also get 30 extra days for returns and free two-day shipping on Target.com orders. There’s no annual fee.
TD Bank have many credit cards and most of them have some sort of promotion. The better your credit is, the better the card you can get.
The best cards in their portofolio offer 30,000 bonus points ($300 cash back) when you spend $3,000 in the first 90 days: TD Business Solutions Visa and 25,000 bonus miles ($250 toward travel) when you spend $3,000 in the first 6 months: TD First Class Visa Signature card.
A great TD Bank credit card promotion is 25,000 bonus miles with the First Class Visa Signature Credit Card. You earn 15,000 miles after your first purchase and another 10,000 when you spend $3,000 in your first 6 months. This bonus is worth $250 when redeemed toward dining and travel purchases. You’ll also get 3 miles for every $1 spent on travel and dining and 1 on all other purchases. Travel purchases include flights, hotels, car rentals, cruises and more. Dining purchases cover everything from fast food to fine dining.
But there are a lot of other TD bank credit card promotions to consider. They range from cash back cards to travel cards and co-branded store cards.
Here are the TD bank credit card promotions:
The best TD Bank credit card overall is the TD Cash Credit Card because it gives a big initial bonus without charging an annual fee. But there are options for everyone, including business owners and people with bad credit.
Yes, a Visa gift card purchased at Target can be used anywhere in the U.S. that takes Visa.
When you check out at Target.com, simply select “Target GiftCard” as your payment method. Then enter your “Card Number” and “Access Code,” and you should be all set. Target gift cards also qualify for free standard shipping. Enjoy!
i have this card since 2007
Cardholders are generally eligible for credit limit increases after six months of on-time payments. Your best bet would be to call customer service at 888.755.5856 and ask for a credit limit increase. For more information, check out our article on How to Get a Higher Credit Limit: http://wallethub.com/edu/how-to-increase-credit-limit/25857/ .
Yes, you can buy groceries with your Target Credit Card. You can use it to buy anything they sell at Target or at target.com . Best of luck!
Your best bet would be to call customer service at 888.755.5856 and ask if you are eligible for a credit line increase. You can get some really useful tips about making your case at: wallethub.com/edu/how-to-increase-credit-limit/25857/ . Hope that helps!