topic Re: applying for a target card! in Credit Cards

applying for a target card!

wanttobeinthe700club — Fri, 29 May 2009 05:20:55 GMT

i just applied for a target card and was wondering if anyone knows kinda what score you need? the only score i have at the moment is EQ-518. someone said they might offer me a in store card for like $200 which anything would be fine with me lol. they told me they had to varify my address and they would send me a letter in 7-10 days if im approved.

Re: applying for a target card!

Anonymous — Fri, 29 May 2009 12:42:25 GMT

A $200 starting CL Target should be ashamed lol. There prices are to high to be starting anyone at a $200 CL.

Re: applying for a target card!

Anonymous — Fri, 29 May 2009 15:28:32 GMT

@Anonymous wrote:
A $200 starting CL Target should be ashamed lol. There prices are to high to be starting anyone at a $200 CL.

I Agree. At the time of my approval with Target i had an EQ score of 713 and i recieved a cl of $200.

Re: applying for a target card!

Anonymous — Fri, 29 May 2009 16:36:38 GMT

@Anonymous wrote:
A $200 starting CL Target should be ashamed lol. There prices are to high to be starting anyone at a $200 CL.

Exactly.....I applied some time ago and they gave me a line of $200 paltry dollars. Called them back up, asked for an immediate increase based on my other credit lines and perfect history period. They refused, i canceled the card right then and there.

Supervisor came on the line and asked why i was canceling the card when i was just approved for the card............."Can you believe that".I told her that I wanted an increase to my other levels on my cards or a decent line period. They counter it with an increase of $400.00 Long story short...i cancel the card contacted all three credit bureaus and disputed the inquiry and accounts right off my reports.

Now this did cause me the recieve an alert on my reports for six month' but I do this to everyone who issues me a credit line i feel is too low and won't increase the credit line. (I don't recommend this action because it's not for everyone.)

King

Re: applying for a target card!

Anonymous — Fri, 29 May 2009 16:41:52 GMT

@Anonymous wrote:

Now this did cause me the recieve an alert on my reports for six month' but I do this to everyone who issues me a credit line i feel is too low and won't increase the credit line. (I don't recommend this action because it's not for everyone.)

King

What kind of alert? I haven't heard of anyone doing this before, didn't know you could do that.

Re: applying for a target card!

Anonymous — Fri, 29 May 2009 17:10:58 GMT

austintex wrote:
What kind of alert? I haven't heard of anyone doing this before, didn't know you could do that.

FA= fraud alert

Re: applying for a target card!

Anonymous — Fri, 29 May 2009 17:32:19 GMT

@Anonymous wrote:
@Anonymous wrote:

Now this did cause me the recieve an alert on my reports for six month' but I do this to everyone who issues me a credit line i feel is too low and won't increase the credit line. (I don't recommend this action because it's not for everyone.)

King
What kind of alert? I haven't heard of anyone doing this before, didn't know you could do that.

It's an (FA-Fraud Alert) and it stays on record for six months, it doesn't efffect anything you can still apply for all the credit you want and be approved it's just anyone you apply for credit with will contact you directly to verify identity with a few secuirty questions. I've been doing it for years, no problems for me.

Message Edited by 74king on 05-29-2009 10:32 AM

Re: applying for a target card!

moondog7324 — Fri, 29 May 2009 18:40:44 GMT

If you get it- thats a good start, because they have no fees. With your low scores, the sad fact is that lenders will exploit you with low limits and high fees- you are only going to be treading water at best. You don't want to waste inquiries- because too many, and you will get denied everytime: here is a soltion- it takes time and patience- but creating good scores is also about creating good habits: Please review the following post:

http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&message.id=151556#M151556

Message Edited by moondog7324 on 05-29-2009 11:40 AM

Re: applying for a target card!

dallasjetfan — Sat, 30 May 2009 01:46:43 GMT

They only gave me $200 with about 680 at the time. I kept the account for about 6 months and decided to close it just like I am doing with many of my accounts.

Re: applying for a target card!

wanttobeinthe700club — Sat, 30 May 2009 01:49:20 GMT

thanks everyone for replying, i really do appreciate it i finally got my letter today and was denied lol. but iam seriously thinking about getting a secured $300 card from my bank wells fargo. if anyone has anything bad to tell my about this bank with secured cards i would love to hear about just so i have a heads up thanks everyone.

Re: applying for a target card!

Anonymous — Sat, 30 May 2009 22:25:23 GMT

@Anonymous wrote:
It's an (FA-Fraud Alert) and it stays on record for six months, it doesn't efffect anything you can still apply for all the credit you want and be approved it's just anyone you apply for credit with will contact you directly to verify identity with a few secuirty questions. I've been doing it for years, no problems for me

---------------------

Oh, cool, thanks! I'll keep that in mind if I ever get offered a BS credit limit.

Re: applying for a target card!

BungalowMo — Sat, 30 May 2009 22:37:38 GMT

@wanttobeinthe700club wrote:
thanks everyone for replying, i really do appreciate it i finally got my letter today and was denied lol. but iam seriously thinking about getting a secured $300 card from my bank wells fargo. if anyone has anything bad to tell my about this bank with secured cards i would love to hear about just so i have a heads up thanks everyone.

I think that would be a good start. They already know you. You won't get a hard inq & later, after they see you're being responsible with this, they will likely work with you on an unsec card.

As stated above...fixing your credit takes time & patience.

Good luck!

Re: applying for a target card!

wanttobeinthe700club — Sun, 31 May 2009 01:53:26 GMT

thanks everyone

Re: applying for a target card!

techman2008 — Sun, 31 May 2009 14:59:05 GMT

I just don't get target. Of all the posts i've seen with target in the subject. It's always been the same. If you have good to excellent credit you get a starting line of 200 and if you have bad credit you get nothing. With that limit you would think they're special and you gotta be an elite to get their card lol. I bet even if the CEO apply for a target he'll get a cl of 200 lol.

Re: applying for a target card!

Anonymous — Sun, 31 May 2009 16:23:39 GMT

@techman2008 wrote:
I just don't get target. Of all the posts i've seen with target in the subject. It's always been the same. If you have good to excellent credit you get a starting line of 200 and if you have bad credit you get nothing. With that limit you would think they're special and you gotta be an elite to get their card lol. I bet even if the CEO apply for a target he'll get a cl of 200 lol.

It wouldn't surprise me if the CEO's CL was at $200 Wouldn't surprise me one bit.

Re: applying for a target card!

wmarat — Sun, 31 May 2009 16:29:10 GMT

I doubt that Target's CEO shops at Target,

Re: applying for a target card!

techman2008 — Sun, 31 May 2009 17:00:48 GMT

@wmarat wrote:
I doubt that Target's CEO shops at Target,

True that lol.

Re: applying for a target card!

Anonymous — Sun, 31 May 2009 18:54:00 GMT

@wmarat wrote:
I doubt that Target's CEO shops at Target,

NO....he shops there, based on this photograph of him in this cheap suit and tie. Yea that's a Target $100 special right there.

Re: applying for a target card!

wmarat — Sun, 31 May 2009 22:52:53 GMT

CEO Compensation
#136 Gregg (edited! Posting personal information, either your own or another person's, such as full name, address, phone numbers, etc., is not allowed per the FICO Forums TOS.)

Total Compensation

$12.93 6 mil

Sourse: forbes.com

This picture is PR.

@Anonymous wrote:
@wmarat wrote:
I doubt that Target's CEO shops at Target,
NO....he shops there, based on this photograph of him in this cheap suit and tie. Yea that's a Target $100 special right there.

Message Edited by Scamp on 05-31-2009 03:52 PM

Re: applying for a target card!

Comp5569 — Sun, 31 May 2009 22:30:13 GMT

I'm pretty sure 74king was kidding with that picture. Being sarcastic.

I like how you two are arguing in several threads. A new board rivalry?