No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
There is no inquiry for the debit card.
My Credit Karma Fako is 640. I was approved last month for the Target Redcard with $200 limit. Like you, I only want it for the 5% discount so $200 limit is fine with me.
I say apply for the store card. I think you have a good chance to get it
@RHAL wrote:trumpet,
Where did you get that second score off of karma? I only know of the vantage score they give you.
For TransRisk, It's the first tab to the left when you log into Karma. For Vantage, it's the third tab.
@Others
Alright, I'll apply the credit version when I visit Target. I'll let you guys know the result.
@trumpet-205 wrote:
@RHAL wrote:Where did you get that second score off of karma? I only know of the vantage score they give you.
For TransRisk, It's the first tab to the left when you log into Karma. For Vantage, it's the third tab.
That's a beta feature that is only available for some users. I don't have that, either.
@trumpet-205 wrote:So does Target pull your credit report even though you are applying for a debit card? If so is it a soft or hard pull? Finally if they do pull CR which one they pull it from?
There is no pull on your credit reports, hard, soft, or otherwise for the DEBIT CARD version.
I went through the same panic and questions before I applied, what they DO is pull a report on you through another vendor (not on of the credit report providers) on your check writing history, etc. I believe they use CHEX, althogh I'm not 100% sure on that - it may be another vendor.
Short answer: They check you out, but not through a hard or soft pull on your credit report through one of the big three CRAs.
EDIT: Found a good link that describes it here
There is no credit check (nothing that reports to Experian, Equifax or Trans Union). However, there is a process to validate the checking account status. When a guest applies for a debit card, Target does an internal check of check writing history, specifically at Target. In addition, Target receives additional information from a consumer reporting agency on overall check writing history.
Amex Accelerated Cash Rewards. BankAmericard Privileges with Travel Rewards. Amex Blue Cash Preferred. Chase Sapphire Preferred.
Now gardening until 2013. I assume gardening is a metaphor, like "book clubs" where all you do is drink wine.
I have all three with CK..Trans Risk, Auto Insurance Risk, and Vantage, I've always had all three options...
@JonStur wrote:I have all three with CK..Trans Risk, Auto Insurance Risk, and Vantage, I've always had all three options...
Even in... 2010?