topic Tar-jay RedCard question? in Credit Cards

Tar-jay RedCard question?

Anonymous — Wed, 23 Jul 2008 19:21:16 GMT

So, do I get this right? If you go and pay with a credit card on a purchase of $50 or more, you might get pre-approved for a RedCard?

We shop there ALL the time. And I would love one of their cards (apped a while back, got denied, but never seemed to get an inquiry for it -- never sent me the "So sorry" letter either).

What, other than spending a hundred bucks or so, is their criteria in offering the card at checkout??

Anyone know?? Thank you SO much in advance!!

Re: Tar-jay RedCard question?

App_Addict — Wed, 23 Jul 2008 19:25:01 GMT

I was in the same boat as you. Never getting that pre-approval until one day I had to go purchase some items for work and used my company credit card, and POOF there it was! I was approved for that GREAT $200.00!! Since then every single time I use the "company card" I get this approval. I have always thought it has something to do with the card having a limit of $75,000 on it, because other than that I don't know what is different.

Re: Tar-jay RedCard question?

Anonymous — Wed, 23 Jul 2008 19:31:43 GMT

I don't think that using a cc is always the way to get a card so don't go and buy stuff there just in hopes of that, lol. I have spent hundreds of dollars there and never once got a pre-approval on the receipt. I do however have the card now after applying on the website.

Re: Tar-jay RedCard question?

Anonymous — Wed, 23 Jul 2008 19:33:29 GMT

I have heard that the preapproval sometimes comes when you use a debit card at the register. Robertkinder's experience is the first time I've heard of it being offered when the customer used a credit card.

Re: Tar-jay RedCard question?

islandchild82 — Wed, 23 Jul 2008 20:53:48 GMT

That was my experience: I received my preapproval receipt when I used my debit card, I believe. And I just figured it was because I shop there quite often, up to 2 or 3 times a week.

Re: Tar-jay RedCard question?

Anonymous — Wed, 23 Jul 2008 22:16:39 GMT

@Anonymous wrote:
So, do I get this right? If you go and pay with a credit card on a purchase of $50 or more, you might get pre-approved for a RedCard?

We shop there ALL the time. And I would love one of their cards (apped a while back, got denied, but never seemed to get an inquiry for it -- never sent me the "So sorry" letter either).

What, other than spending a hundred bucks or so, is their criteria in offering the card at checkout??

Anyone know?? Thank you SO much in advance!!

Do you have a crown jewlers card and another trade line? I got denied before and since I have had my CJ card and my visa I got approved....my scores are lower than yours and I have a BK discharged in November. My tradelines are only since about April. My credit limit is only $200 but I am happy with the opportunity to prove myself credit worthy.

Re: Tar-jay RedCard question?

Anonymous — Thu, 24 Jul 2008 00:43:31 GMT

So I just left Target. Went to buy a few household items and while standing at the register I said what the heck, I'm going to apply for a RedCard because I do not have any store cards and I need at least one to add to my credit mix (per the forum). I got out of line, went to customer service and asked to apply. After going through the electronic app process, the cashier said she received a message that said to try back in 3 mins...hmmmm...weird so I walked away and went shopping. Five minutes later, the cashier is paging me over the intercom to come pick up my party---lol. Ok, I get to the counter and she says great news you were approved for a Visa and your limit is $600, yada, yada, yada....

What a day! All I wanted (need) is a STORE card and you all know if I had applied for their Visa they would have said NO....oh well...now I'll shop at Target more frequently. I still need a store card.

Re: Tar-jay RedCard question?

TangMeister — Thu, 24 Jul 2008 00:54:47 GMT

The only benefit I can see from applying in person at Target vs. online is you will avoid the potential of "proving" your identity to them...which can get very personal and move beyond what info's on your credit report.

Re: Tar-jay RedCard question?

Anonymous — Thu, 24 Jul 2008 00:59:14 GMT

Congrats. I have heard that the best way to apply for either card is at the store.

Re: Tar-jay RedCard question?

NikJ4 — Thu, 24 Jul 2008 03:21:51 GMT

All I know is I bought a $8 dollar shirt with a debit card and kaboom....I got it. I thought it was a survey and almost threw it away. I called the # on it at 12am to avoid embarrassment when I realized what it was. She told me to go to the store and take my DL and I had a card waiting for me. I went at 8am so I would not get my feeling hurt too bad. The store was more excited than me because i was the first to have it from their store. I got my card last year in 2007.

good luck!!!!!!!!!!!

Message Edited by NikJ4 on 07-23-2008 10:21 PM

Re: Tar-jay RedCard question?

Anonymous — Thu, 24 Jul 2008 03:29:27 GMT

See, now, I'm TERRIFIED to actually APPLY at the store! I think I'd die of embarrassment if I were denied!!

Our local Target is at the ground zero of a BIG tourist-y spot. One of those that has all the frou-frou stores where something for $200 is considered "cheap" and "tacky!"

I can just imagine gettin' denied and having my hubby's bosses' boss standing there behind me, listening to the "I'm so sorry, you've been denied for being a low-life deadbeat" spiel!!

We've got school shopping coming up here next week (our public schools do nothing but uniforms now), so I'll end up spending a bundle there, I'm sure. I'll use the AU Cap One I'm getting in the mail AND my debit card, and cross my fingers (and toes, and legs, and eyes ...). :/

You know, I'll bet my socks that hubby would get one if we apped online, but I've used so many inquiries on him for our other CCs that I'm too chicken to (and feel too guilty to, too!). I may have to just try again after our CCs have reported for a bit.

But still, please, please, please wish me/us luck!!

And as always, thank you guys SOOO much for the responses!! Ya'll are just the BEST people!!

Re: Tar-jay RedCard question?

MsKiwi — Thu, 24 Jul 2008 05:18:16 GMT

Wonderin wrote:
See, now, I'm TERRIFIED to actually APPLY at the store! I think I'd die of embarrassment if I were denied!!

I will if you will. Just kidding. I'm sitting out for a few months before I try anything.

Re: Tar-jay RedCard question?

Anonymous — Thu, 24 Jul 2008 06:15:01 GMT

I work at Tar-jay, and it never fails: when someone pays with their Amex, they usally get a pre-approval. There is some formula behind pre-approvals, but I'm not sure exactly what. I work in a low-end area, and we don't see very many of them in my store. But when I was at another location in a ritzy part of town, we got them left and right. So I know it has something to do with CL on CC's or credit history...