topic Re: Target Redcard/Barclay Apple Denial :( in Credit Card Applications

Target Redcard/Barclay Apple Denial :(

Anonymous — Wed, 24 Dec 2014 02:08:07 GMT

Took the plunge today and app'd in store but I received the 10 day message. I called to inquire and I was told it was denied due to information from Equifax. O well, I was approved for Kohl's today so it's bittersweet. I also app'd for the Barclay Apple (high hopes I know), when I called for a recon the rep was super nice and said they want to see more growth from my Cap 1 card which is totally understandable. I'm taking my behind to the garden after this fun filled day, geesh.

Re: Target Redcard/Barclay Apple Denial :(

TRC_WA — Wed, 24 Dec 2014 03:23:00 GMT

Gardening would be good at this early stage...

Re: Target Redcard/Barclay Apple Denial :(

Anonymous — Wed, 24 Dec 2014 03:30:48 GMT

Thanks TRC, I just got a little too excited.

Re: Target Redcard/Barclay Apple Denial :(

Anonymous — Wed, 24 Dec 2014 13:02:15 GMT

What are you scores and history?

Re: Target Redcard/Barclay Apple Denial :(

Anonymous — Wed, 24 Dec 2014 15:05:48 GMT

Do you have more then 6 INQ's in the last 90 days on your EQ report (the report that Target normally pulls) if they didn't pull EQ then whatever report they pulled. The reason I am asking because someone said once on here that they talked to a UW at target and they said if u have more then 6 INQ in the last 90 days their system automatically denies you no matter score and of course they don't do recons. I don't know how true it is and like everything else it's YMMV but just wanted to put that out there just in case.

Re: Target Redcard/Barclay Apple Denial :(

Anonymous — Wed, 24 Dec 2014 19:16:27 GMT

@Anonymous wrote:
Do you have more then 6 INQ's in the last 90 days on your EQ report (the report that Target normally pulls) if they didn't pull EQ then whatever report they pulled. The reason I am asking because someone said once on here that they talked to a UW at target and they said if u have more then 6 INQ in the last 90 days their system automatically denies you no matter score and of course they don't do recons. I don't know how true it is and like everything else it's YMMV but just wanted to put that out there just in case.

I'm not sure how many inquiries I have, can I check that through the credit monitoring I have through myFICO? For some reason I was hoping they pulled TU in-store but I was wrong.

Re: Target Redcard/Barclay Apple Denial :(

Anonymous — Wed, 24 Dec 2014 19:47:38 GMT

I guess you could count all the inquiry alerts from MyFico in the last 90 days of you wanted to unless you just pulled a updated report. Target is known to be a EQ puller no matter where or how you apply.

Re: Target Redcard/Barclay Apple Denial :(

Anonymous — Wed, 24 Dec 2014 19:51:50 GMT

@Anonymous wrote:
I guess you could count all the inquiry alerts from MyFico in the last 90 days of you wanted to unless you just pulled a updated report. Target is known to be a EQ puller no matter where or how you apply.

So I've learned. Target was one of the store cards I wanted before gardening but alas I'll have to go without it.

Re: Target Redcard/Barclay Apple Denial :(

Anonymous — Wed, 24 Dec 2014 19:53:49 GMT

@Anonymous wrote:
I guess you could count all the inquiry alerts from MyFico in the last 90 days of you wanted to unless you just pulled a updated report. Target is known to be a EQ puller no matter where or how you apply.

That costs $60.

I can think of 59.2 better things to spend $60, and it's just in time for the holidays!

Re: Target Redcard/Barclay Apple Denial :(

Anonymous — Wed, 24 Dec 2014 19:54:30 GMT

@Anonymous wrote:
@Anonymous wrote:
I guess you could count all the inquiry alerts from MyFico in the last 90 days of you wanted to unless you just pulled a updated report. Target is known to be a EQ puller no matter where or how you apply.
So I've learned. Target was one of the store cards I wanted before gardening but alas I'll have to go without it.

Why?

Their debit card gives the same discount.

Re: Target Redcard/Barclay Apple Denial :(

kdm31091 — Thu, 25 Dec 2014 00:06:58 GMT

Just go for the Target debit card. Exactly the same benefit and no worry about if you can get approved. I'm not sure why anyone wants the Target credit card, as it's not like it gives you cashback anywhere else or anything. The benefit is exactly the same: 5% off at Target. I'd just get the debit version if I were you. I doubt you plan on carrying a balance on this credit card. (?)

Re: Target Redcard/Barclay Apple Denial :(

Anonymous — Thu, 25 Dec 2014 00:18:30 GMT

@kdm31091 wrote:
Just go for the Target debit card. Exactly the same benefit and no worry about if you can get approved. I'm not sure why anyone wants the Target credit card, as it's not like it gives you cashback anywhere else or anything. The benefit is exactly the same: 5% off at Target. I'd just get the debit version if I were you. I doubt you plan on carrying a balance on this credit card. (?)

What I said.

Re: Target Redcard/Barclay Apple Denial :(

Anonymous — Thu, 25 Dec 2014 04:36:25 GMT

@Anonymous wrote:
@kdm31091 wrote:
Just go for the Target debit card. Exactly the same benefit and no worry about if you can get approved. I'm not sure why anyone wants the Target credit card, as it's not like it gives you cashback anywhere else or anything. The benefit is exactly the same: 5% off at Target. I'd just get the debit version if I were you. I doubt you plan on carrying a balance on this credit card. (?)
What I said.

And get the Redbird over either of those, if you can get it in your state!

Re: Target Redcard/Barclay Apple Denial :(

kdm31091 — Thu, 25 Dec 2014 13:36:44 GMT

Forgive me for being naive, but what is the Redbird? I'm in Delaware, maybe we don't have it here and that's why I haven't heard of it. Is it a different flavor of Target credit card?

Re: Target Redcard/Barclay Apple Denial :(

Anonymous — Thu, 25 Dec 2014 14:23:54 GMT

@kdm31091 wrote:
Forgive me for being naive, but what is the Redbird? I'm in Delaware, maybe we don't have it here and that's why I haven't heard of it. Is it a different flavor of Target credit card?

It isnt available in Delaware as of now. It's a prepaid card that is run by AMEX and allows for bill pay and can be reloaded at any Target store.

Re: Target Redcard/Barclay Apple Denial :(

upnorth — Fri, 26 Dec 2014 15:29:21 GMT

The Red Debit Card application says you are consenting to a credit inquiry. Why do they have to do a hard pull for a debit card?

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
I guess you could count all the inquiry alerts from MyFico in the last 90 days of you wanted to unless you just pulled a updated report. Target is known to be a EQ puller no matter where or how you apply.
So I've learned. Target was one of the store cards I wanted before gardening but alas I'll have to go without it.
Why?

Their debit card gives the same discount.

Re: Target Redcard/Barclay Apple Denial :(

Anonymous — Fri, 26 Dec 2014 15:54:19 GMT

@upnorth wrote:
The Red Debit Card application says you are consenting to a credit inquiry. Why do they have to do a hard pull for a debit card?

Freeze all your reports, then.

Re: Target Redcard/Barclay Apple Denial :(

upnorth — Sun, 28 Dec 2014 01:19:20 GMT

@Anonymous wrote:
@upnorth wrote:
The Red Debit Card application says you are consenting to a credit inquiry. Why do they have to do a hard pull for a debit card?
Freeze all your reports, then.

I wanted to apply for the Debit card, but decided it is not worth the risk of exposing my bank account to a hacker at Target terminals. That said, I will have my spouse apply for the Target credit card sometime next week.

Re: Target Redcard/Barclay Apple Denial :(

upnorth — Sun, 28 Dec 2014 01:20:29 GMT

Forgot to mention: Both me and my wife have had our credit files frozen for at least 5 years now. It gives much peace of mind.

Re: Target Redcard/Barclay Apple Denial :(

MovinOnUp2014 — Sun, 28 Dec 2014 05:18:59 GMT

@Anonymous wrote:
Took the plunge today and app'd in store but I received the 10 day message. I called to inquire and I was told it was denied due to information from Equifax. O well, I was approved for Kohl's today so it's bittersweet. I also app'd for the Barclay Apple (high hopes I know), when I called for a recon the rep was super nice and said they want to see more growth from my Cap 1 card which is totally understandable. I'm taking my behind to the garden after this fun filled day, geesh.

Congrats on the Kohl's......Gardening will work to your advantage/hang in there