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Established Contributor
Posts: 961
Registered: ‎12-21-2010
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Re: Question about REDCard Debit Inquiry

My fico score 686, my fake score 775, pulled the same day, so be careful.
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Frequent Contributor
Posts: 270
Registered: ‎10-04-2009
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Re: Question about REDCard Debit Inquiry

There is no inquiry for the debit card.

Established Member
Posts: 26
Registered: ‎08-06-2009
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Re: Question about REDCard Debit Inquiry

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.

Valued Contributor
Posts: 1,668
Registered: ‎02-18-2009
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Re: Question about REDCard Debit Inquiry

I say apply for the store card. I think you have a good chance to get it

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Credit is not a right, but a business transaction, one that takes into account risk, and charges accordingly based on that risk.
Your credit score is an aspect of your credit profile. Important? yes but just an aspect. Contributing/supplemental information determines the finer point of the deal. Ask any question, respect me not to get mad if the answer is not the affirmation you are looking for,
Valued Contributor
Posts: 2,505
Registered: ‎11-11-2010
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Re: Question about REDCard Debit Inquiry

[ Edited ]

 


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.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Established Contributor
Posts: 790
Registered: ‎09-09-2008
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Re: Question about REDCard Debit Inquiry

 


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.

 

Frequent Contributor
Posts: 357
Registered: ‎11-16-2012
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Re: Question about REDCard Debit Inquiry

 


12/28/13 (Garden Start Date)



Established Member
Posts: 49
Registered: ‎02-22-2012
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Re: Question about REDCard Debit Inquiry

[ Edited ]

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.

Established Contributor
Posts: 909
Registered: ‎12-25-2010
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Re: Question about REDCard Debit Inquiry

I have all three with CK..Trans Risk, Auto Insurance Risk, and Vantage,  I've always had all three options...


Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Contributor
Posts: 91
Registered: ‎10-31-2012
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Re: Question about REDCard Debit Inquiry


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?

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