topic Re: Target redcard 7-10 day message in Credit Card Applications

Target redcard 7-10 day message

Anonymous — Sat, 09 Mar 2019 04:50:06 GMT

Hi everyone,
Just looking for some opinion. I applied jut now for the redcard and got the 7-10 day response. Wondering what others’ experiences are with this. I understand my chances are slim, I’m currently rebuilding. I have a secured discover that’s 2 months old, a cap1 platinum that has yet to be reported and it pulled my Eq score which is only about 568.

Re: Target redcard 7-10 day message

Jnbmom — Sat, 09 Mar 2019 04:58:03 GMT

Unfortunately I don't think your score is high enough for target

Re: Target redcard 7-10 day message

Brian_Earl_Spilner — Sat, 09 Mar 2019 05:02:00 GMT

@Jnbmom wrote:
Unfortunately I don't think your score is high enough for target

I was approved with a sub-600 score, but that was 4 years ago. It was an instant approval though.

Re: Target redcard 7-10 day message

Anonymous — Sat, 09 Mar 2019 05:02:42 GMT

Agree I think you'll need 630 or higher for many store cards.

Re: Target redcard 7-10 day message

Anonymous — Sat, 09 Mar 2019 05:19:47 GMT

As others have mentioned, it’s probably a denial. Sorry.

Let that Capital One card report, keep your reported utilization low, PIF, and gain some history. Also, address whatever derogatories are contained within your reports to the best of your abilities. Try again after you make some progress.

It’s going to be what’s contained in your credit reports that’s going to influence approvals more than scores. There is no magic number to achieve for approval. Some may get approved with a sub-600 score and other with a 720 might get denied.

Best of luck to you.

Re: Target redcard 7-10 day message

Anonymous — Sat, 09 Mar 2019 05:23:14 GMT

Thanks. It’s mostly my derogatory student loans. I started the rehabilitation process though so that should be good to go in 10 months.

Re: Target redcard 7-10 day message

Anonymous — Sat, 09 Mar 2019 05:24:44 GMT

...so you’re telling me there’s a chance

Re: Target redcard 7-10 day message

Anonymous — Sat, 09 Mar 2019 05:34:27 GMT

OP - in this instance, I wouldn’t be holding out hope. 7-10 days is a denial.

In the future, there is hope for another application after you make some progress cleaning things up and showing some positive history.

Re: Target redcard 7-10 day message

Jnbmom — Sat, 09 Mar 2019 05:30:24 GMT

Sorry I meant not high enough

Re: Target redcard 7-10 day message

Anonymous — Sat, 09 Mar 2019 09:08:39 GMT

I applied in store when I had a score of 715 and got the 7-10 day response. I work retail and know that usually means that the app didn’t get approved so I didn’t hold out hope. Three days later I get a call from the Target credit department. They verified my address + my social and then I was approved.
Chances are still slim but hey, it could still work out!

Re: Target redcard 7-10 day message

Anonymous — Mon, 25 Mar 2019 03:49:30 GMT

I have read about someone being approved with a 521 with the 7-10 day message!

Re: Target redcard 7-10 day message

Anonymous — Mon, 25 Mar 2019 21:42:48 GMT

Highly unlikely you'll be approved with a score that low. It took until my score was around 700 before they approved me, and my SL is only $300. That is because I have a very short (5 mo.) credit history, though. First time I applied, it was the 7-10 message, which resulted in a denial letter. This time I applied and was approved instantly. Try again in a few months if you get your score up into the mid-600s. Good luck!

Re: Target redcard 7-10 day message

Anonymous — Fri, 05 Apr 2019 02:24:13 GMT

I applied for a target red card and got a 7-10 day message. Two days later the target new accounts dept called me to tell I was approved. So sometimes that message doesn’t mean that you’re not approved.

Re: Target redcard 7-10 day message

DaveInAZ — Fri, 05 Apr 2019 14:45:39 GMT

If you get a Target Redcard CC make sure you shop Target regularly. I got one back when I was rebuilding my credit but I rarely shop Target and after 7 months of non-use they CLD'ed me from $1200 to $200. I made a couple small online purchases but they wouldn't restore my CL so I closed it, I don't do toy credit limits. Now I use the Redcard debit for the couple online purchases per year I do for the 5% discount & free shipping. .

Re: Target redcard 7-10 day message

coldfusion — Sat, 06 Apr 2019 18:52:18 GMT

@DaveInAZ wrote:
If you get a Target Redcard CC make sure you shop Target regularly.

This is true. For best results with this card:

a) put spend on the card regularly.

b) Allow balances to report and PIF

as it's the surest way to get auto-CLIs.