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Target Store Credit Card

Regular Contributor

Target Store Credit Card

From what I hear, the Target card is fairly easy to get with most people being approved in the low 6's... Is this true? Do any of you have the card? I'm considering applying and I'm curious about this card..

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit Smiley Happy
Message 1 of 19
18 REPLIES
Regular Contributor

Re: Target Store Credit Card

Ya some people but when they pulled my cr I had equifax of 709 fico and was denied because of inq
Fico's in 500s across all three and one nfcu nrewards card with 2k limit for rebuilding
Message 2 of 19
Regular Contributor

Re: Target Store Credit Card

How many Inquiries did you have at the time?

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit Smiley Happy
Message 3 of 19
Frequent Contributor

Re: Target Store Credit Card

I applied back in 2008 and was approved with a $200 limit.  I'm not sure what my exact scores were but I'm sure it had to be around the very low 600s.

About 3 months later, they raised my limit to $500 and it has been there since.


Starting Score: 639 (Walmart TU)
Current Score: TU 668 EX 649 EQ 657 (All Lender Pull 1-13-2012)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)


Take the FICO Fitness Challenge
Message 4 of 19
Established Contributor

Re: Target Store Credit Card

denied for too many inquiries and I was in 700's tooSmiley Surprised


Starting Score: 722
Current Score: Now 687 what the hockey sticks...from a 784 (Aug 12 EX 751 EQ Fico)
Goal Score: 800

If your outGo is more than your INcome than your UpKeep will become your downFALL.

Take the FICO Fitness Challenge


Message 5 of 19
Contributor

Re: Target Store Credit Card

I got one in June with a 200 limit. They pulled TU which has some nasty stuff but is a mid 600. 


January 2011 Score: 663
Current Score: 704
Goal Score: 750
Message 6 of 19
Regular Contributor

Re: Target Store Credit Card

How many Inq's did you have when you applied?

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit Smiley Happy
Message 7 of 19
Contributor

Re: Target Store Credit Card


Tommy5746 wrote:

How many Inq's did you have when you applied?


5


January 2011 Score: 663
Current Score: 704
Goal Score: 750
Message 8 of 19
Epic Contributor

Re: Target Store Credit Card

I have always had horrible limits with them but I have never been declined... and INQ were never an issue in the past but I have see a "LOT" of posts lately that they have gotten REALLY sensitive to INQ which doesn't make sense to me at all... I have 4 cards with them. $300, $200, $200, $1500.  The $1500 started at $200 up to $1000, and then just recently the increase to $1500... this was my 3rd card and the only one I have seen get an increase EVER.

Message 9 of 19
Frequent Contributor

Re: Target Store Credit Card


Creditaddict wrote:

I have always had horrible limits with them but I have never been declined... and INQ were never an issue in the past but I have see a "LOT" of posts lately that they have gotten REALLY sensitive to INQ which doesn't make sense to me at all... I have 4 cards with them. $300, $200, $200, $1500.  The $1500 started at $200 up to $1000, and then just recently the increase to $1500... this was my 3rd card and the only one I have seen get an increase EVER.


How did you end up with 4 cards?


Starting Score: 639 (Walmart TU)
Current Score: TU 668 EX 649 EQ 657 (All Lender Pull 1-13-2012)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)


Take the FICO Fitness Challenge
Message 10 of 19