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

Re: Target


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

 

Which one?  The RedCard or the Visa?

 

The RedCard is extremely easy.  I'd even say it's just about the easiest credit card of any kind to be approved for.  The Visa is a bit more difficult, but not really that tough in the grand scheme of things.

 

----------------------------
App free since 7/11/08.
TU 744 / EX 710 / EQ 694 (Starting to slip. :smileysurprised: )
Frequent Contributor
MrCredit
Posts: 422
Registered: ‎11-13-2008

Re: Target

Do they pull EQ I may have to add them to my extensive collection. I have a post BK. GEMB is not BK friendly... I have been successful in overturning a JCP denial... Never again after that.
PSECU Visa $20,000, Amex SPG $1,000, (What a joke!) Amex Platinum NPSL, PSECU LOC $20,000, BOA Amex $18,500,Fidelity Rewards Amex $10,000, Fidelity Rewards Visa Sig $7,500, Citi Diamond Preferred MC $8,300, Citi AA Advantage $8,500, WF Plat $10,000, Chase Sapphire Preferred $19,000, Chase Marriott Rewards $17,000, Lowes $10,000 (For the life of me they wont go above this),Kohls Charge $1,000
Moderator Emeritus
cheddar
Posts: 6,794
Registered: ‎09-29-2007

Re: Target


MrCredit wrote:
Do they pull EQ I may have to add them to my extensive collection. I have a post BK. GEMB is not BK friendly... I have been successful in overturning a JCP denial... Never again after that.

 

They seem to pull EQ most often, but sometimes pull TU instead.

 

----------------------------
App free since 7/11/08.
TU 744 / EX 710 / EQ 694 (Starting to slip. :smileysurprised: )
Frequent Contributor
MrCredit
Posts: 422
Registered: ‎11-13-2008

Re: Target

My TU is frozen!! HAHA! But thanks for the info... I will be applying soon... Want to add them to my collection, just waiting for some disputes to finish on EQ. Do you know if you dispute something is it taken out of the scoring mix?
PSECU Visa $20,000, Amex SPG $1,000, (What a joke!) Amex Platinum NPSL, PSECU LOC $20,000, BOA Amex $18,500,Fidelity Rewards Amex $10,000, Fidelity Rewards Visa Sig $7,500, Citi Diamond Preferred MC $8,300, Citi AA Advantage $8,500, WF Plat $10,000, Chase Sapphire Preferred $19,000, Chase Marriott Rewards $17,000, Lowes $10,000 (For the life of me they wont go above this),Kohls Charge $1,000
Moderator Emeritus
cheddar
Posts: 6,794
Registered: ‎09-29-2007

Re: Target


MrCredit wrote:

Do you know if you dispute something is it taken out of the scoring mix?


Some accounts are, but not all, and even the accounts that are removed from scoring in certain respects are not removed from scoring in all respects.

 

Since this is an entirely new topic, please start a new thread in the Understanding FICO Scoring forum if you'd like to discuss this question in more detail.

 

----------------------------
App free since 7/11/08.
TU 744 / EX 710 / EQ 694 (Starting to slip. :smileysurprised: )
Regular Contributor
Jayleesmimi
Posts: 147
Registered: ‎07-30-2007

Re: Target

Yeah,

 

Today I was buying a Wii and a few other things for xmas gifts and pulled out my BOA CC to pay and the guy says "you can save 10% by opening up an account."   I quickly said no thanks, but then it hit me that I could save around 50.00, so I applied. 

 

Instant approval for $ 3K, but I just noticed it was a Target Visa Card.  Don't know who they pulled yet.  Anyone got a CLI on activation on this card?  Just thinking as I am grateful for the CL as it is, even though it is my lowest line next to Hooters, which is so nominal that I hardly ever use it other than for something small every now and then.

Sustaining Change takes Support and Reinforcement !

FICOS 02/03/2013, TU -798, EQ - 805 ( Last known EX -812)
Regular Contributor
bevy1234
Posts: 146
Registered: ‎04-08-2008

Re: Target

Denied again at Target ... The lady at the counter Said I would be notified ... Got letter Friday This is what it said , Pulled TU...

 

Said too Many Inq's

Not enough Credit Experience   (((((9 years ))))

 

So no Target Shopping this Christmas...

 

Guess I will pay cash at Walmart...

My credit scores are killing me slowly at 640, 672 and 663 I am moving up a little bit ..
Regular Contributor
Jayleesmimi
Posts: 147
Registered: ‎07-30-2007

Re: Target

True Credit has just alerted me that I had an inquiry from Target on TU.
Sustaining Change takes Support and Reinforcement !

FICOS 02/03/2013, TU -798, EQ - 805 ( Last known EX -812)
Member
tiger021105
Posts: 9
Registered: ‎11-16-2008

Re: Target

[ Edited ]

Just approved for Target Red Card....

 

Credit limit: $200 

 

TU: 642  EQ: 575  EX: ??  

 

 

Message Edited by tiger021105 on 10-13-2009 09:25 PM
Established Member
cam72
Posts: 17
Registered: ‎11-12-2008

Re: Target

I rrecently applied for a target card. They pulled Experian and I was denied. When I called I was told that they only approve people with three major credit cards. Which I was surprised to hear. I may apply later.

Starting Score: EQ -604 (4/09) TU 644 (3/10)
Current Score: EQ -698 (3/10) TU-644 (3/10)
Goal Score: 720


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