topic Re: Target Store Credit Card in Credit Cards

Target Store Credit Card

Tommy5746 — Fri, 10 Feb 2012 15:20:58 GMT

From what I hear, the Target card is fairly easy to get with most people being approved in the low 6's... Is this true? Do any of you have the card? I'm considering applying and I'm curious about this card..

Re: Target Store Credit Card

Anonymous — Fri, 10 Feb 2012 15:43:42 GMT

Ya some people but when they pulled my cr I had equifax of 709 fico and was denied because of inq

Re: Target Store Credit Card

Tommy5746 — Fri, 10 Feb 2012 15:46:20 GMT

How many Inquiries did you have at the time?

Re: Target Store Credit Card

Anonymous — Fri, 10 Feb 2012 15:46:22 GMT

I applied back in 2008 and was approved with a $200 limit. I'm not sure what my exact scores were but I'm sure it had to be around the very low 600s.

About 3 months later, they raised my limit to $500 and it has been there since.

Re: Target Store Credit Card

JusdoNit — Fri, 10 Feb 2012 15:53:35 GMT

denied for too many inquiries and I was in 700's too

Re: Target Store Credit Card

Anonymous — Fri, 10 Feb 2012 16:37:03 GMT

I got one in June with a 200 limit. They pulled TU which has some nasty stuff but is a mid 600.

Re: Target Store Credit Card

Tommy5746 — Fri, 10 Feb 2012 17:09:25 GMT

How many Inq's did you have when you applied?

Re: Target Store Credit Card

Anonymous — Fri, 10 Feb 2012 17:23:05 GMT

@Tommy5746 wrote:
How many Inq's did you have when you applied?

Re: Target Store Credit Card

Creditaddict — Fri, 10 Feb 2012 18:34:06 GMT

I have always had horrible limits with them but I have never been declined... and INQ were never an issue in the past but I have see a "LOT" of posts lately that they have gotten REALLY sensitive to INQ which doesn't make sense to me at all... I have 4 cards with them. $300, $200, $200, $1500. The $1500 started at $200 up to $1000, and then just recently the increase to $1500... this was my 3rd card and the only one I have seen get an increase EVER.

Re: Target Store Credit Card

Anonymous — Fri, 10 Feb 2012 18:57:17 GMT

@Creditaddict wrote:
I have always had horrible limits with them but I have never been declined... and INQ were never an issue in the past but I have see a "LOT" of posts lately that they have gotten REALLY sensitive to INQ which doesn't make sense to me at all... I have 4 cards with them. $300, $200, $200, $1500. The $1500 started at $200 up to $1000, and then just recently the increase to $1500... this was my 3rd card and the only one I have seen get an increase EVER.

How did you end up with 4 cards?

Re: Target Store Credit Card

Anonymous — Fri, 10 Feb 2012 19:25:17 GMT

@Anonymous wrote:
@Creditaddict wrote:
I have always had horrible limits with them but I have never been declined... and INQ were never an issue in the past but I have see a "LOT" of posts lately that they have gotten REALLY sensitive to INQ which doesn't make sense to me at all... I have 4 cards with them. $300, $200, $200, $1500. The $1500 started at $200 up to $1000, and then just recently the increase to $1500... this was my 3rd card and the only one I have seen get an increase EVER.
How did you end up with 4 cards?

Was this a close it and reopen later scenario?

I have been stuck at $200 since I opened it... Although I do like the 5% off

Re: Target Store Credit Card

NikJ4 — Fri, 10 Feb 2012 21:17:35 GMT

I got my card on a fluke....just got a pre-approved receipt and called and was given $200 CL...got increased to $500 then stuck

Re: Target Store Credit Card

Tommy5746 — Fri, 10 Feb 2012 21:24:38 GMT

Do you guys think Target or Walmart is a better card? I hear that the walmart card gives you your fico score free every month? Is this true? If so I would say the walmart card is a much better deal.. Please chime in!

Re: Target Store Credit Card

911gt34life — Fri, 10 Feb 2012 21:31:19 GMT

@Tommy5746 wrote:
Do you guys think Target or Walmart is a better card? I hear that the walmart card gives you your fico score free every month? Is this true? If so I would say the walmart card is a much better deal.. Please chime in!

Walmart because free fico score plus you get CLI in the other hand target sucks because it dont give cli only in full moon. on my target card i been in 300 for long time they don't care even if you have 800 fico score it sad place.

Re: Target Store Credit Card

Mike360 — Fri, 10 Feb 2012 23:36:22 GMT

Don't bother unless you do alot of major shopping @ Target. Most of the stuff there is overpriced so the 5% doesn't help that much.

i got one like 4 years ago @ $300CL and it hasn't moved a inch. If you look at whogavemecredit 9 out of 10 ppl there are getting very low limits $200-$500

Re: Target Store Credit Card

laz98 — Fri, 10 Feb 2012 23:41:53 GMT

I have a Target card & a Walmart card. We do almost all of our shopping at Target. We never really shop at Walmart; we just use the card to pay for gas.

Re: Target Store Credit Card

daneatreia — Sat, 11 Feb 2012 01:47:32 GMT

I have both. I was approved with a 584 fico in December they pulled equifax. Low limit but I do all my shopping there and I use the discount them pif at customer service on the way out.

Re: Target Store Credit Card

JustMe77 — Sat, 11 Feb 2012 02:15:01 GMT

Get the Wal-Mart card, and open a Target debit card. You get the same 5% off but no HP.

Re: Target Store Credit Card

Creditaddict — Sat, 11 Feb 2012 06:19:35 GMT

@Anonymous wrote:
@Creditaddict wrote:
I have always had horrible limits with them but I have never been declined... and INQ were never an issue in the past but I have see a "LOT" of posts lately that they have gotten REALLY sensitive to INQ which doesn't make sense to me at all... I have 4 cards with them. $300, $200, $200, $1500. The $1500 started at $200 up to $1000, and then just recently the increase to $1500... this was my 3rd card and the only one I have seen get an increase EVER.
How did you end up with 4 cards?

It kind of became a joke... After getting the 2nd one I didn't really think you could have multiple cards and then one day I was spending about $197 on some furniture thing and I was like sure I'll open a new account and save the 10% or whatever they use to offer before switching to the 5% all time and it came back instant for $200... Like month or two later was spending about $200 again and was like sure and boom approved again....

I have never closed any of them at any time and they have always been at $0 when I filed for BK so they were never included and they never closed them.

I just use the one now that has the $1500 limit....