Target REDcard for Easy Credit Approvals

Yesterday I was just sitting around thinking that I could really use another credit card to increase my available credit in order to improve my debt to credit ratio. After a brief google search for department store cards with easy credit approvals, I stumbled upon the Target REDcard.

After reviewing the card's description, I discovered that one of its perks was a 5% discount on any item purchased in-store or online, so I decided to apply. I was instantly approved with a "temporary credit limit" of $300 which I later found out was only a portion of my full credit limit which has yet to be disclosed.

I should also mention that upon setting up my online account, it revealed that I had been a valued customer since 2015. Perplexed, I had to think back and I realized that the Target REDcard is financed by TD Bank which is the same company that financed my Nordstrom credit card that I got back in 2015. So it appears that TD Bank combines all its cards under the same umbrella.

So, if you've been thinking about applying for a Target REDcard but not quite sure if the risk was worth the hard credit pull, my research revealed that a FICO score of 615 is recommended but not a requirement for approval...You're just going to have to trust me on this one. If you think your FICO is somewhere in the ballpark, then I'd say go for it!

You might also like: Nordstrom Credit

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You might also like: Pre-Order Your "FREE" Credit Repair Guide!

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Pre-Order Your FREE Credit Repair Guide!

My "D.I.Y. Credit Repair Guide" (The Blueprint) will give you step by step instructions on how to dispute derogatory items and have them removed from your credit reports. It will also go over a brief history of credit repair and how the process has changed over the years.

My guide will dispel all the myths associated with credit repair in regards to what can and cannot be removed. Everything can be removed...even if the debt legitimately belongs to you. I have no doubt that my credit repair guide will assist you in removing derogatories from all three credit reports but it will only work to the level of time and commitment that you are willing to put into it.

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Pre-Approved Credit Card Offers

People on the brink of credit improvement but not quite there yet, often find themselves faced with a dilemma. Do you accept the first pre-approved credit card offer that comes your way regardless of interest and fees, or do you hold out and wait for something better to come along?

I know that having someone willing to take a chance on you and extend an offer for new credit makes you feel all warm and fuzzy inside, but be careful. Offers like this can sometimes have negative strings attached such as high-interest rates and maintenance fees.

Some companies will make an offer for credit but only if you agree to pay a yearly maintenance fee that's usually broken down into 12 equal monthly payments. This is the equivalent to petty theft! You're already being gouged with high-interest rates, and now they want to charge you monthly for the privilege to do so? It doesn't make sense.

Look, paying a higher interest rate is to be expected because we already know you have bad credit...but the amount of interest you pay should have an automatic cutoff point. Here's what I mean. A person with poor credit should expect to pay an interest rate somewhere between 23-29%. That's a given, and you do it until your credit improves enough to do better.

But if you receive an offer for credit and it's touting 36% interest or worse, tear it up and toss it in the trash. You can do better. Don't let these creditors prey upon you. It's hard enough to pay debts down while trying to rebuild credit but it's next to impossible to pay down debt if most of your payments are going to the interest rather than the principal. Just say NO!

You might also like: Pre-Approved Visa: Merrick Bank

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Prism: A Money Management Tool

Every now and then we all forget to pay a bill or two if it is not sitting on a desk right in front of us. Now, on the surface this seems like no big deal, right? You're late a couple of days or in the worst-case scenario, you forget about the bill completely until the following month.

Now, that's where your troubles begin because once you become 30 days late, your creditors can tack on a hefty late fee which is often times larger than your monthly payment for the bill itself! Believe me, I've been down that road more times than I care to remember!

I've always had good intentions but when you have monthly bills numbering in the teens, you're bound to overlook, misplace or forget to pay one or two of them. This can cause late fees to skyrocket and cost you money that could have been used to pay down other outstanding debt.

It's a hard lesson that has cost me hundreds if not thousands of dollars in fees over the years until I stumbled upon a great money management app called Prism. Prism was not the first app that I've used to manage my money but it is without a doubt the best.

I have highlighted a few of Prism's key features below:

1. Prism will notify you a few days in advance to let you know that a payment is coming due. Prism will send a second reminder on the due date if you have not paid your bill to date. This may not seem like a big deal but it has saved me hundreds of dollars in late fees which has indirectly contributed to improving my credit because I have stopped being late.

2. Once you have entered all your bills and payment options into Prism, you can pay each bill individually as they come due or pay them all on the same day through the app! Bill payments through Prism are 100% free and will usually post the same day or in 2-3 business days, depending on your biller.

3. There's no need to keep track of paper bills, account numbers or multiple passwords for all your online accounts because they remain stored securely within the Prism app. Prism's simple, clean design lets you know at a glance the exact amount you owe at any given time for a single bill or all bills combined. I am convinced that Prism is a "game changer" in the field of money management.

You might also like: Prism Money

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