08-31-2012 03:02 PM
Just thought other people in the same situation would like to know. If you included Target in your bankruptcy don't waste your time applying for a new account. I put in an application and called to check the status, the team member told me due to the way the previous account was handled (discharged in chapter 7) they could not open a new account. The good news they didn't even pull a credit report so didn't get hit with the inquiry at least. When I inquired as to a time frame when I might be able to apply and be approved she said never at this time under their policies. I only had 500 on the account in my bankruptcy. Thought others would like to know but then again your mileage may vary.