topic Re: Target Card!!!! in Credit Cards

Target Card!!!!

Anonymous — Sun, 07 Feb 2010 06:52:41 GMT

I applied for a target card and got the 7-10 day message in the store and the next day i received a call from target and they asked me about 4 security questions because i had a fraud alert on my file, then they approved the card with a $1000 dollar limit. i personally had no use for the store card so i closed the account about a 3 weeks later. i removed the fraud alert from my file because i got tired of always getting the 7-10 day message. i applied again for target card with no alert on file and was instantly approved for target visa but it still on had a $1000 limit.

Did the fraud alert raise red flags and cause them to only give me the store card?

anyone else have any similar story?

Re: Target Card!!!!

daisyduke — Sun, 07 Feb 2010 14:54:26 GMT

I applied in store for Target card and of course, due to FA on my report as well, I didn't get an instant decision. Target CS called the next day, Sunday to verify my ID and told me I was approved for a Visa for 4K limit. So the FA didn't matter for me...

Re: Target Card!!!!

Pushto700 — Tue, 27 Apr 2010 18:00:02 GMT

@Anonymous wrote:
I applied for a target card and got the 7-10 day message in the store and the next day i received a call from target and they asked me about 4 security questions because i had a fraud alert on my file, then they approved the card with a $1000 dollar limit. i personally had no use for the store card so i closed the account about a 3 weeks later. i removed the fraud alert from my file because i got tired of always getting the 7-10 day message. i applied again for target card with no alert on file and was instantly approved for target visa but it still on had a $1000 limit.

Did the fraud alert raise red flags and cause them to only give me the store card?

anyone else have any similar story?

What bureau did Target pull??

Re: Target Card!!!!

Anonymous — Tue, 27 Apr 2010 21:46:52 GMT

Re: Target Card!!!!

Pushto700 — Tue, 27 Apr 2010 22:08:53 GMT

@Pushto700 wrote:
@Anonymous wrote:
I applied for a target card and got the 7-10 day message in the store and the next day i received a call from target and they asked me about 4 security questions because i had a fraud alert on my file, then they approved the card with a $1000 dollar limit. i personally had no use for the store card so i closed the account about a 3 weeks later. i removed the fraud alert from my file because i got tired of always getting the 7-10 day message. i applied again for target card with no alert on file and was instantly approved for target visa but it still on had a $1000 limit.

Did the fraud alert raise red flags and cause them to only give me the store card?

anyone else have any similar story?
What bureau did Target pull??

They usually pull eq. As in my case (denial) they said they couldn't pull up my report. I called eq, and was told that because my physical address is not on my eq report (only PO Box is) that the data couldn't match and therefore it was blank. I called Target back and behold, they had already pulled ex. I hated that because it added another inq to a report that I did not want one on. Plus the denial. Oh well.

Re: Target Card!!!!

moonman — Tue, 27 Apr 2010 23:10:14 GMT

I don't know what is happening at Target but I had received a scorewatch alert telling me that Target has updated my account( a change of status from charge to credit card) which caused me to lose points.

Re: Target Card!!!!

Anonymous — Wed, 28 Apr 2010 15:40:23 GMT

@moonman wrote:
I don't know what is happening at Target but I had received a scorewatch alert telling me that Target has updated my account( a change of status from charge to credit card) which caused me to lose points.

I had a similar issue. I got an alert via True Credit stating I had a new account Target. I called Target to ask about it and they had no clue what i was talking about.

Re: Target Card!!!!

BungalowMo — Wed, 28 Apr 2010 15:59:31 GMT

I recently read a post on here that Target is no longer issuing Visa logo'd cards. Store cards only. There was a link to an article confirming this. I can't recall the date they gave, but I do believe it was late April, so right now is the time frame for no more Visa's.

Re: Target Card!!!!

superfresh08 — Sun, 22 May 2011 20:04:49 GMT

Hi everyone, this is my first post.

I applied today for the store card (red card) and received the "requires more info" message so I went ahead and signed up for the debit card which I got. After reading the forums I decided to call Target CSR. I was declined because my address could not be verifed. After asking me a few security questions I was approved for $200.00. I am happy with that. I will take a fresh start where I can get it.

Re: Target Card!!!!

Anonymous — Sun, 22 May 2011 23:53:38 GMT

@superfresh08 wrote:
Hi everyone, this is my first post.

I applied today for the store card (red card) and received the "requires more info" message so I went ahead and signed up for the debit card which I got. After reading the forums I decided to call Target CSR. I was declined because my address could not be verifed. After asking me a few security questions I was approved for $200.00. I am happy with that. I will take a fresh start where I can get it.

Congrats, I like the straight 5% discount at the register.

Re: Target Card!!!!

clocktick — Mon, 23 May 2011 03:20:11 GMT

Interesting. How does the debit card work? Do you attach it to your bank account so it comes directly out of there? Does it report to the all 3 CRs?

Re: Target Card!!!!

Anonymous — Mon, 23 May 2011 06:18:36 GMT

It's attached to your checking account ..when you apply for the debit you have to take a blank check with you (for account and routing number) my guess.... But I don't think they report anything because it's your checking accounts money not theirs. BUT YOU STILL GET THE 5% off you purchase which is great! So far I made 4 purchases and it's nice to see at the bottom of the receipt 8.00 off etc.... Lol thats piggy bank money.

Re: Target Card!!!!

Anonymous — Mon, 23 May 2011 06:20:02 GMT

Ohh and another thing I forgat to mention it's just like using a check because it will not draft the funds until like 2-4 days later.

Re: Target Card!!!!

UFGuy2006 — Mon, 23 May 2011 15:32:13 GMT

@Anonymous wrote:
It's attached to your checking account ..when you apply for the debit you have to take a blank check with you (for account and routing number) my guess.... But I don't think they report anything because it's your checking accounts money not theirs. BUT YOU STILL GET THE 5% off you purchase which is great! So far I made 4 purchases and it's nice to see at the bottom of the receipt 8.00 off etc.... Lol thats piggy bank money.

Okay... so are you saying you can apply for the Target debit card using your own checking account? So if I had a USAA checking account... I could get a Target debit card that "used" that account? I don't have to open a checking account with Target??

Re: Target Card!!!!

Anonymous — Mon, 23 May 2011 15:52:46 GMT

Yes, the Target Debit card will use your USAA checking accountl.

I also have a Target Debit card (and Red Charge Card) and when I used the debit card, it took on average 3 days before it was deducted from my USAA checking. It works quite well.

No Target accouint required and as far as I know, TNB does not offer checking or savings, only the cards.

Hope this helps you out.

Ray

Re: Target Card!!!!

Anonymous — Mon, 23 May 2011 16:55:37 GMT

Yea any checking account. But remember you gotta take a blank check or else your not gonna be able to get it processed .

Re: Target Card!!!!

UFGuy2006 — Mon, 23 May 2011 17:03:19 GMT

@Anonymous wrote:
Yea any checking account. But remember you gotta take a blank check or else your not gonna be able to get it processed .

Interesting! Is there a fee for this debit card??

Re: Target Card!!!!

superfresh08 — Mon, 23 May 2011 17:16:39 GMT

There is no fee for this card.

Re: Target Card!!!!

UFGuy2006 — Mon, 23 May 2011 17:22:31 GMT

One last Q - Do they HP for the target debit card app?

Re: Target Card!!!!

superfresh08 — Mon, 23 May 2011 17:24:06 GMT

No it's a soft, same with Nordstrom's debit card.