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Regular Contributor
Laurenlou
Posts: 143
Registered: ‎05-29-2008

Re: Target

For those wanting to request a CLI or go from a Redcard to a Visa- go in the store and reapply. The system will be able to tell that you already have a card and it will upgrade you IF you qualify. But be careful- I believe this is a hard pull!
 
I work for Target and we do these kinds of upgrades every day!
Frequent Contributor
TangMeister
Posts: 456
Registered: ‎07-09-2008

Re: Target

Ohhhh...cool. This is like stock trading with insider information that's legal. :smileywink:

Laurenlou wrote:
For those wanting to request a CLI or go from a Redcard to a Visa- go in the store and reapply. The system will be able to tell that you already have a card and it will upgrade you IF you qualify. But be careful- I believe this is a hard pull!
I work for Target and we do these kinds of upgrades every day!

Moderator Emeritus
cheddar
Posts: 6,794
Registered: ‎09-29-2007

Re: Target

[ Edited ]


bevy1234 wrote:
Target Said to many inquries.. they are counting each mortgage pull and each auto pull from TU.. Score now 623 TU... The lady I called said I had 27 hard pulls .. but if I count the mortgage pulls as one and the auto loan apps as one I only come up with about 8 hard pulls..????


Mortgage and auto inquiries are only deduplicated within a certain time frame for FICO scoring purposes.  They still show up on your report as individual inquiries, and creditors may (and probably will) count each one of them separately.  Sorry to hear about your denial. :smileysad:
 


Message Edited by cheddar on 07-15-2008 11:04 AM
----------------------------
App free since 7/11/08.
TU 744 / EX 710 / EQ 694 (Starting to slip. :smileysurprised: )
Established Contributor
NikJ4
Posts: 662
Registered: ‎01-24-2008

Re: Target

Since you are employed with them, have you seen anyone lose their card if their credit has changed?


Start Score:493Current Score:635
Goal Score: 700>>>>>App free since (umm not saying...I struggle with this)
Regular Contributor
bevy1234
Posts: 146
Registered: ‎04-08-2008
0

Re: Target

Pulled my Score  TU 647  EQ 661  and EXP 683  WOW  .. Thought I could really get a wally mart card now.... NO NO NO  I do not meet the criteria... HAHA  Sounds like Wal Mart Discrimination too me..
My credit scores are killing me slowly at 640, 672 and 663 I am moving up a little bit ..
Established Contributor
MojaveMoon
Posts: 536
Registered: ‎08-26-2008
0

Re: Target

[ Edited ]

Laurenlou wrote:
For those wanting to request a CLI or go from a Redcard to a Visa- go in the store and reapply. The system will be able to tell that you already have a card and it will upgrade you IF you qualify. But be careful- I believe this is a hard pull!
I work for Target and we do these kinds of upgrades every day!



I'm not trying to be argumentative, and I mean no disrespect at all. But are you sure that people are receiving a true upgrade ? Are these people actually instead winding up with two separate accounts -- the store charge card and the store Visa card ? This would be the first time in the last several years on any of the credit forums of a report of people being able to upgrade inside a Target store.
Message Edited by MojaveMoon on 11-15-2008 01:42 PM
Regular Contributor
ee
Posts: 129
Registered: ‎02-19-2008
0

Re: Target

I just looked on their website and it states that:

 

When you apply, you will first be considered for a Target Visa Credit Card, which can be used everywhere Visa credit cards are accepted. If you don’t qualify for a Target Visa Credit Card, you will then be considered for a Target Credit Card, which can only be used at Target stores and online at Target.com.

 

So it would make sense that they would be "upgraded".  Just my opinion though.

FICO 05/27/08 TU 721 EQ 681 EX 664
FICO 05/15/08 TU 721 EQ 665 EX 645
FICO 04/26/08 TU 685 EQ 662 EX 626
One "UP" two to go!!!
Regular Contributor
ee
Posts: 129
Registered: ‎02-19-2008
0

Re: Target

I just applied for the Target card.   I ended up getting instant approval for the Target Visa card with a $4,000 CL !!!!   I can't believe it.  This is my highest limit.  Not sure which Fico they pull.  I haven't run my fico scores in the last couple of months but I know they are around 660-680.  

 

Does anyone know if they give frequent CLIs?  (I'm already getting greedy)  

 

Seeing that Amx dropped my credit limit AGAIN today I'm really happy about this.   Amx is definitely getting the sock drawer.

FICO 05/27/08 TU 721 EQ 681 EX 664
FICO 05/15/08 TU 721 EQ 665 EX 645
FICO 04/26/08 TU 685 EQ 662 EX 626
One "UP" two to go!!!
Moderator Emeritus
cheddar
Posts: 6,794
Registered: ‎09-29-2007
0

Re: Target


ee wrote:

I just looked on their website and it states that:

 

When you apply, you will first be considered for a Target Visa Credit Card, which can be used everywhere Visa credit cards are accepted. If you don’t qualify for a Target Visa Credit Card, you will then be considered for a Target Credit Card, which can only be used at Target stores and online at Target.com.

 

So it would make sense that they would be "upgraded".  Just my opinion though.


It is true that you are first considered for a Target Visa card when you apply, but what has been known to happen to existing RedCard cardholders who are subsequently approved for a Target Visa on a new application is that they end up with two accounts, not an upgrade of their original account.  I believe this is what MojaveMoon was referring to.

 

In fact, many existing RedCard cardholders who apply for a Target Visa and are not approved end up with two RedCards, as if the system doesn't even know that the existing RedCard account even exists, making it even more unlikely that the way to get a true upgrade from a RedCard is to fill out a new application for the Visa.  If past experience is any indication, that's just a good way to end up with two accounts.

 

----------------------------
App free since 7/11/08.
TU 744 / EX 710 / EQ 694 (Starting to slip. :smileysurprised: )
Established Contributor
MrCredit
Posts: 513
Registered: ‎11-13-2008
0

Re: Target

how easy is the target card to get, are they post BK friendly? my wife applied with a good fico and they denied.
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