topic Target REDcard application FYI in Credit Cards

Target REDcard application FYI

Anonymous — Tue, 14 Aug 2012 01:39:08 GMT

Today I applied in-store for the Target REDcard (the credit card, not the debit) and after the associate processed the application she got an error about the server for processing applications being down or something. The screen instructed her to tell me (the customer) to try again on another day, and to give me the 5% discount anyhow. She indicated to me that apparently their application system goes down frequently.

Anyhow, I ended up calling the customer service line later just to check and I was approved after all. If I didn't think to call I would have applied again in a few days and taken another inquiry! Just an FYI to everyone, if you apply and get told there's some sort of error make sure to call and check before applying again!

Re: Target REDcard application FYI

Repo-ed — Tue, 14 Aug 2012 01:40:56 GMT

good heads-up

Re: Target REDcard application FYI

trumpet-205 — Tue, 14 Aug 2012 02:18:33 GMT

What's your CL?

Re: Target REDcard application FYI

Anonymous — Tue, 14 Aug 2012 02:57:02 GMT

Probably 300

FYI the debit card is a soft pull

Re: Target REDcard application FYI

Anonymous — Tue, 14 Aug 2012 16:50:36 GMT

My CL is for $1500.

Re: Target REDcard application FYI

RockinRay — Tue, 14 Aug 2012 16:56:31 GMT

I think they are getting a bit better with credit lines lately.

My approval was $2500 about a year ago, and my daughter (19) just got $750. When she app'd, we figured she would get $200 so we were both pleased!

Re: Target REDcard application FYI

tboy1977 — Tue, 14 Aug 2012 16:59:06 GMT

I got $200,so I'm hoping it will increase.

Re: Target REDcard application FYI

Anonymous — Tue, 14 Aug 2012 17:09:22 GMT

I felt so bad, the poor girl that was checking me out got SO EXCITED that she had a REDcard app in line (I guess they get incentivized somehow) and then it didn't seem to work. Oh well, happy I got it! The only issue is that I guess you usually get a receipt with your number to use in the meantime while waiting for the card, and I didn't.

Re: Target REDcard application FYI

bndresa1321 — Tue, 14 Aug 2012 17:13:59 GMT

Yea I worked at Target for a few years and they do get recognition and maybe a small price for opening up a new account. I do remember though that even then we often had problems with the system going through successfully, but were recognized for the attempt either way.

Re: Target REDcard application FYI

CS800 — Tue, 14 Aug 2012 17:48:07 GMT

@Anonymous wrote:
My CL is for $1500.

Nice !1

I'm still at $500 on my RedCard store card

Re: Target REDcard application FYI

Anonymous — Tue, 14 Aug 2012 18:06:53 GMT

@Anonymous wrote:
I felt so bad, the poor girl that was checking me out got SO EXCITED that she had a REDcard app in line (I guess they get incentivized somehow) and then it didn't seem to work. Oh well, happy I got it! The only issue is that I guess you usually get a receipt with your number to use in the meantime while waiting for the card, and I didn't.

Each cashier has a quota for a certain weekly percentage (usually 0.5-1.0%) of prompted applications being completed by guests. Completing an app without a prompt still counts for them, but only for half of a prompted app's worth (even if the cashier has guests complete N number of non-prompted apps, their percentage can only go up to 50% without any prompted apps in the mix). If you consistently do not meet your quota as a cashier, it is considered grounds for termination. Smaller stores probably don't enforce that all the time, but larger stores certainly have enough access to talent to rotate out the people that can't keep up. In my brief time working for them, I saw plenty of people either terminated or moved off of the register elsewhere in the store for not keeping up.

Note that I said completed applications, not approved applications. They don't penalize the cashiers for the (non-)worthiness of their guests. They soft pull credit as well as I believe ChexSystems for the debit card, and they hard pull for the credit card.

At any rate, congrats for the approval. Hopefully soon they change their policies and start giving out increases (bring back the Target Visa, anyone??).

Re: Target REDcard application FYI

RockinRay — Tue, 14 Aug 2012 19:43:21 GMT

I doubt we will see the Visa again. I have read that Target really took a bath on the Visa cards gone bad so to speak.

We have the Visa and I think many of the Exec's at Target carry them also. We only use it at Target for the 5%. But it is kind of cool to carry a card that is no longer issued!

Re: Target REDcard application FYI

Anonymous — Tue, 14 Aug 2012 20:08:06 GMT

same thing happened to me last week. I applied to get the 5% off and the system didnt seem to work, tried again at dif register and it didnt work again, so they just gave me a discount and i bought with my USAA card. Then a week later I get a Red card in the mail even though it had appeared that the application system wasn't working in store. Only $300 CL

Re: Target REDcard application FYI

tboy1977 — Tue, 14 Aug 2012 21:06:57 GMT

MY grandmother has a Target Visa and I am JEALOUS!! I hopethey will bring them back. Even if you have to be a customer for a while like with Walmart Discover cards. BRING IT BACK!!

Re: Target REDcard application FYI

westo12 — Wed, 15 Aug 2012 00:43:18 GMT

@tboy1977 wrote:
I got $200,so I'm hoping it will increase.

Did they give you this card/line recently? If yes, even with scores in the 400's?

Re: Target REDcard application FYI

Mike360 — Wed, 15 Aug 2012 02:33:29 GMT

Target gave me $200 back in '08. I had limited credit history at the time. Now in '12 i still have a $200 limit. Good thing it has no AF or i would have threw this crap card away long time ago. If you think Capital One doesn't grow with you just wait till you get a Target card with a low starting limit. My scores are 700+ with all 3 CB's so it's not like it's a history or score thing anymore...

Re: Target REDcard application FYI

j_casteel — Wed, 15 Aug 2012 05:45:27 GMT

Both the credit and debit cards do the exact same thing correct? As far as the 5% discount right? The main benefits for the credit would just be a new TL??

Re: Target REDcard application FYI

trumpet-205 — Wed, 15 Aug 2012 06:06:03 GMT

@j_casteel wrote:

Both the credit and debit cards do the exact same thing correct? As far as the 5% discount right? The main benefits for the credit would just be a new TL??

And the ability to use it on Target mobile website.

Re: Target REDcard application FYI

j_casteel — Wed, 15 Aug 2012 06:07:34 GMT

@trumpet-205 wrote:
@j_casteel wrote:

Both the credit and debit cards do the exact same thing correct? As far as the 5% discount right? The main benefits for the credit would just be a new TL??
And the ability to use it on Target mobile website.

The debit card cannot be used for online purchases?

Re: Target REDcard application FYI

lithium78 — Wed, 15 Aug 2012 12:56:31 GMT

I love my Redcard. I got it back in 2008 when I first got serious about fixing my credit. They started me off with the $200 CL and a year later gave me a CLI to $1000 where it still stands today. I use it at least once a month to keep it current. The 5% off was fantastic for the holidays. I used it to buy a TV on Black Friday from their website and I got a nifty discount and free shipping from their website. It would be nice to get a CLI for utilization purposes, but, if I'm being honest, I probably don't need more that a $1k limit for their store.