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Misshopeful72
Posts: 185
Registered: ‎03-05-2012

Target red card

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‎04-07-2012 12:33 PM

If I keep using my target debit card will target preselected me for their credit card? I wonder if they monitor usage and pre approve people for their credit card.
EQ 480 02/27/12- EQ 617 05/02/12
TU 500 02/27/12 TU 585 05/01/12
All scores are myfico
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Mega Contributor
Creditaddict
Posts: 11,006
Registered: ‎10-23-2007

Re: Target red card

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‎04-07-2012 07:27 PM

Misshopeful72 wrote:
If I keep using my target debit card will target preselected me for their credit card? I wonder if they monitor usage and pre approve people for their credit card.

Did you get declined initially for the credit card and that is why you applied for the debit version?

Do you have your current Fico Score?

Waiting is so Overrated! :smileytongue:
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Misshopeful72
Posts: 185
Registered: ‎03-05-2012

Re: Target red card

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‎04-07-2012 07:37 PM

Yes. They declined me and I wanted the 5 percent off. My tu fico is 548 98 model and 611 04 model.
EQ 480 02/27/12- EQ 617 05/02/12
TU 500 02/27/12 TU 585 05/01/12
All scores are myfico
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Frequent Contributor
Mike360
Posts: 396
Registered: ‎03-19-2010

Re: Target red card

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‎04-07-2012 07:49 PM

If you get the 5% off with that card just stick with it. I've been stuck at $200 CL since 2008 with eq fico of 740. Most likely you'll never get approved for the card with those scores. Pre-approval offers don't guarantee you'll get it.
~~In my wallet: Best Buy $7500, Dell Preferred $5500, Chase Freedom $3500, Barclays NFL Extra Points $3300, Sears $2800, CapOne Platinum $2000, Kohls $1500, Bill Me Later $1015, Target $200
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Misshopeful72
Posts: 185
Registered: ‎03-05-2012

Re: Target red card

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‎04-07-2012 07:52 PM

I'm hoping to get my scores up. I recently had a bankruptcy discharged.
EQ 480 02/27/12- EQ 617 05/02/12
TU 500 02/27/12 TU 585 05/01/12
All scores are myfico
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Mega Contributor
Creditaddict
Posts: 11,006
Registered: ‎10-23-2007

Re: Target red card

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‎04-07-2012 08:39 PM

Misshopeful72 wrote:
I'm hoping to get my scores up. I recently had a bankruptcy discharged.

Oh, how far apart from denial to this discharge? 7 or 13?

 

If you had all the bad accounts at time of denial on way into BK no they would not approve... but you get the accounts updated $0 balance and Included in BK, you might see a score increase.... I thought I heard they do offer pre-approvals at register to apply or something... I have not heard anyone getting declined after that.

Waiting is so Overrated! :smileytongue:
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Valued Contributor
trumpet-205
Posts: 1,909
Registered: ‎11-11-2010

Re: Target red card

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‎04-07-2012 09:44 PM

They do not factor in your debit card usage during review process.

In My Wallet:
Citi Forward (12/2010) | Citi TY Preferred (05/2011) | BofA Travel Rewards (07/2011) | Chase Freedom (11/2011)
GECRB/PayPal (05/2012) | Discover it (07/2012) | US Bank Cash Reward (08/2012) | AMEX BCE (09/2012)
Target (10/2012) | Chase Ink Classic (11/2012) | BofA Balance Rewards (04/2013)
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Contributor
Misshopeful72
Posts: 185
Registered: ‎03-05-2012

Re: Target red card

[ Edited ]
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‎04-08-2012 04:19 AM - edited ‎04-08-2012 04:32 AM

My ch 7 was discharged 4 months ago. I just applied for the card last week.
EQ 480 02/27/12- EQ 617 05/02/12
TU 500 02/27/12 TU 585 05/01/12
All scores are myfico
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Mega Contributor
LS2982
Posts: 14,437
Registered: ‎04-09-2011

Re: Target red card

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‎04-08-2012 05:38 AM

Mike360 wrote:
If you get the 5% off with that card just stick with it. I've been stuck at $200 CL since 2008 with eq fico of 740. Most likely you'll never get approved for the card with those scores. Pre-approval offers don't guarantee you'll get it.

+1



Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 711 5/19/2013
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Doobarbus
New Member
Doobarbus
Posts: 4
Registered: ‎10-16-2012

Re: Target red card

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‎01-03-2013 06:19 AM

Applied in November at the counter and was denied via mail. Letter indicated it was due to my income and info on credit report. Income is mid 100s and current score is 651. Makes no sense.

Starting Score: 8/2012 FICO EXP651
Current Score: 651
Goal Score: 730

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