topic Re: Target MasterCard Direct App Approved in Credit Card Approvals

Target MasterCard Direct App Approved

DaisyAdair — Mon, 10 Oct 2022 13:15:09 GMT

My Target MC approval came up in another thread, and it was suggested that I make a separate post, so here it is for those interested.

I signed into my Target account (desktop) to place a pickup order and saw a promo/ad for the Target card. When I clicked through, there were 2 options displayed: Target store card and Target MC. I applied directly for the MC version and was approved with a $6k limit.

I've been shopping at Target a couple times a month since the last holiday season (their curbside service is quick and easy) and typically use my bank's debit card.

Re: Target MasterCard Direct App Approved

coreyb80 — Mon, 10 Oct 2022 13:08:04 GMT

Congrats on the approval!

Re: Target MasterCard Direct App Approved

babygirl1256 — Mon, 10 Oct 2022 14:32:57 GMT

Congrats on your Target MasterCard approval.

Re: Target MasterCard Direct App Approved

user979797 — Mon, 10 Oct 2022 14:33:21 GMT

Wow congrats on your approval

Re: Target MasterCard Direct App Approved

CoolHandSean — Mon, 10 Oct 2022 16:36:30 GMT

Awesome job on the approval! This card seems pretty elusive so naturally I must have it! lol. Gonna be gardening for a while so this will be one of the first ones I apply for when the time comes and hopefully I'll get a chance to upgrade to the Mastercard option down the line.

Re: Target MasterCard Direct App Approved

FireMedic1 — Mon, 10 Oct 2022 15:37:26 GMT

Congrats! I went online with no cards nor bought anything in yrs and there it sits.

There ya go @FinStar. I dont shop there. But I guess they opened the door.

Re: Target MasterCard Direct App Approved

CoolHandSean — Mon, 10 Oct 2022 16:44:09 GMT

That's what shows for everyone. If you look

closely the RedCardoption is a darker shade of red to signify that is specifically the Mastercard. I've tested to see if I had the option to chose which one like OP by completing an application and going through all the steps right before hitting submit. Unfortunately, it was only for the RedCard with no option to select the Mastercard. This was even after logging in to my Target account which I created today haha.

Re: Target MasterCard Direct App Approved

CYBERSAM — Mon, 10 Oct 2022 17:01:36 GMT

Congrats on your Target MasterCard approval.🤑👍

Re: Target MasterCard Direct App Approved

DaisyAdair — Mon, 10 Oct 2022 17:23:50 GMT

@CoolHandSean wrote:
That's what shows for everyone. If you look
closely the RedCardoption is a darker shade of red to signify that is specifically the Mastercard. I've tested to see if I had the option to chose which one like OP by completing an application and going through all the steps right before hitting submit. Unfortunately, it was only for the RedCard with no option to select the Mastercard. This was even after logging in to my Target account which I created today haha.

Interesting. My experience provided a clear option to select which card application I wanted to submit. I wish I would have realized this was a hot topic; I would have screengrabbed the process.

Re: Target MasterCard Direct App Approved

CoolHandSean — Mon, 10 Oct 2022 17:39:55 GMT

I think because of your usage and established history with Target played a role. Us less frequent shoppers, especially me who didn't even have an account, probably aren't given the option.

Re: Target MasterCard Direct App Approved

FireMedic1 — Mon, 10 Oct 2022 17:45:22 GMT

I went to look and verify. Logged in to my account online. Which I havent been on there for a couple years since I bought something during Covid for pick up. Clicked on my name top right. Drop down box clicked Red Card. That's the page that loaded with Apply at the bottom of both columns is what I got. I didnt go thru any process. No need and too far away for me.

Re: Target MasterCard Direct App Approved

M_Smart007 — Mon, 10 Oct 2022 17:48:09 GMT

@CoolHandSean wrote:
That's what shows for everyone. If you look
closely the RedCardoption is a darker shade of red to signify that is specifically the Mastercard. I've tested to see if I had the option to chose which one like OP by completing an application and going through all the steps right before hitting submit. Unfortunately, it was only for the RedCard with no option to select the Mastercard. This was even after logging in to my Target account which I created today haha.

@CoolHandSean, @FireMedic1 ,

I personally believe that @DaisyAdair , received a very rare Targeted offer!

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Applied-For-Amazon-Prime-Forgot-That-s-Chase/m-p/6601496#M315510

Re: Target MasterCard Direct App Approved

FireMedic1 — Mon, 10 Oct 2022 18:41:53 GMT

@DaisyAdairWhat was your score when you applied and the CRA they pulled.

Re: Target MasterCard Direct App Approved

FireMedic1 — Mon, 10 Oct 2022 18:39:11 GMT

@M_Smart007 wrote:
@CoolHandSean wrote:
That's what shows for everyone. If you look
closely the RedCardoption is a darker shade of red to signify that is specifically the Mastercard. I've tested to see if I had the option to chose which one like OP by completing an application and going through all the steps right before hitting submit. Unfortunately, it was only for the RedCard with no option to select the Mastercard. This was even after logging in to my Target account which I created today haha.
@CoolHandSean, @FireMedic1 ,
I personally believe that @DaisyAdair , received a very rare Targeted offer!
https://ficoforums.myfico.com/t5/Credit-Card-Applications/Applied-For-Amazon-Prime-Forgot-That-s-Chase/m-p/6601496#M315510

Edited below. Dag Gummit.

Re: Target MasterCard Direct App Approved

CoolHandSean — Mon, 10 Oct 2022 18:04:40 GMT

Yes I saw your pick. It's asking you to choose between the Debit or the Credit only. You don't have the option to choose the MasterCard which is the same for the rest of us.

Re: Target MasterCard Direct App Approved

andre429 — Mon, 10 Oct 2022 18:07:08 GMT

That's great been had my Target Card for over 30 years or longer. Think I need to upgrade it to a MC.

Re: Target MasterCard Direct App Approved

M_Smart007 — Mon, 10 Oct 2022 18:20:41 GMT

@FireMedic1 wrote:
@M_Smart007 wrote:
@CoolHandSean wrote:
That's what shows for everyone. If you look
closely the RedCardoption is a darker shade of red to signify that is specifically the Mastercard. I've tested to see if I had the option to chose which one like OP by completing an application and going through all the steps right before hitting submit. Unfortunately, it was only for the RedCard with no option to select the Mastercard. This was even after logging in to my Target account which I created today haha.
@CoolHandSean, @FireMedic1 ,
I personally believe that @DaisyAdair , received a very rare Targeted offer!
https://ficoforums.myfico.com/t5/Credit-Card-Applications/Applied-For-Amazon-Prime-Forgot-That-s-Chase/m-p/6601496#M315510
See my pic. Offered to chose which card to apply for.

@FireMedic1, I believe that is the standard application form, for at least three years.

I does give you an option to apply for the target cards and or the debit card, but not specifically for the MC version.

It simply states "Apply for credit" .. that has been the standard, and never gives you a specific option for picking the master card.

Also if you call Target credit, they will tell you, "you cannot choose" ...

I see NO option to pick the MC? -> https://www.target.com/redcard/credit-card-application

@DaisyAdair, Was Targeted specifically for the MC in The phone APP. (first DP I have seen on this)

@DaisyAdair wrote:
My Target MC approval came up in another thread, and it was suggested that I make a separate post, so here it is for those interested.

I signed into my Target account (desktop) to place a pickup order and saw a promo/ad for the Target card. When I clicked through, there were 2 options displayed: Target store card and Target MC. I applied directly for the MC version and was approved with a $6k limit.

I will ask @FinStar to chime in and give His expert opinion on this?

I feel like I am in the Understanding FICO® Scoring debate section

Re: Target MasterCard Direct App Approved

CoolHandSean — Mon, 10 Oct 2022 18:25:50 GMT

LMAO!

Re: Target MasterCard Direct App Approved

FireMedic1 — Mon, 10 Oct 2022 18:37:25 GMT

Read the fine print you idiot. (Me) Fell for it. Well congrats and it was fun while it lasted. No FOTM now for others. Grrrrrr!

Fine print:

Only for guests approved for a Target Mastercard. Restrictions apply.

Feel like. Wait, its not FSR!

Wish this show was still on.

Re: Target MasterCard Direct App Approved

M_Smart007 — Mon, 10 Oct 2022 18:46:24 GMT

@FireMedic1 wrote:
Read the fine print you idiot. (Me) Fell for it. Well congrats and it was fun while it lasted. No FOTM now for others. Grrrrrr!
Fine print:
Only for guests approved for a Target Mastercard. Restrictions apply.
Feel like. Wait, its not FSR!
Wish this show was still on.

@FireMedic1, It's all good

I have missed it ~~tons~~ ~~hundreds~~ *too many to count* times, just ask Remedios ?

*ME*