03-23-2013 08:40 AM
Those who were once blacklisted by Target may be able get get approved now that TD Bank has taken over their CC portfolio.
If they ever offer a Target Visa again, I might apply. But a $200 limit store card isn't worth an INQ and lowering AAoA.
03-23-2013 09:00 AM
I just closed mine for the cli issue they appear to be having
Unless target follow GECRB practice i really think the risk is great
Sorry Target better luck next time
03-23-2013 09:23 AM
03-23-2013 10:08 AM - edited 03-23-2013 10:11 AM
I don't think the blacklist is gone. I applied this month and received a rejection letter that stated I was denied because a Target account was not handled "satisfactorily" in the past. Or maybe it depends on the length if time that has passed - it's only been about three years since I screwed up that account.
Someone on another board posted that they were able to get back in, they had a Target acct IIB in 2005.
One good thing is that if you are blacklisted, you won't get a hard pull, as Target checks their own records first.
At least they used to.
08-31-2014 09:32 PM - edited 08-31-2014 09:33 PM
Filed BK 7 in 2004. Have applied for Target a couple of times since just to see. Last time I tried, they said I was denied due to old account. HOWEVER . . . Went to the store and bought a microwave and decided to give it a shot at checkout. DENIED? No, not really. They gave me the "decision will be made in 10-14 days." 24 hours later, I see this 800# on my caller ID. I blow it off as just a random solicitation or somethin'. Same # is in my voicemail. I play the voicemail and it's Target. I call and they ask if I had just applied. I confirmed that it was me. I recently had an ID theft situation and put a temporary Fraud alert on all reports from the agencies. So, the CSR verified my info, confirmed that it was me, and . . .said I was approved . . . for $700.
My scores aren't great. Per this site, "not good" is where they are. My Tranny Union is 618. I guess that's what Target pulled. But, they gave me the nod.
08-31-2014 11:39 PM