topic Re: Approved for Target! in Credit Cards

Approved for Target!

braznyc — Fri, 27 Jun 2008 00:28:08 GMT

Hiya guys I wanted to come back and give an update. I open my mail today it's a letter from Target I'm thinking "denied" but actually it was only because of them not being able to verify my phone number. I got the number from a friend who has their card, got some extremely nice people finally spoke to this sweet lady at the actual bank and she did the whole Lexis Nexis questions with me, and ding I was approved.

I agree with everyone here who says apply in the store, it seems less painless. The rep explained online gets dinged a lot of even a small thing is off and the computer denies. I made her laugh as I told her I was happy with m $200 limit from TARJAY!

I guess with all this rebuilding it feels good to not be denied because of prior mistakes, now it's just addresses and phone numbers need to be verified.

Re: Approved for Target!

adamseve — Fri, 27 Jun 2008 00:34:05 GMT

Congrats on your new card!

What types of blemishes did you have on your credit? You didn't happen to have a BK did you.

Hope to hear from you.

Re: Approved for Target!

braznyc — Fri, 27 Jun 2008 00:42:17 GMT

They pulled TU which is 647 Fico, but my PFICO is only 620 oddly enough WAMU on the PFICO doesn't list a closed and paid US Bank card I had as a joint account, which gives me age on my fico scores. My TU is the only report where 2 paid judgments remain and that's what I got approved with. No BK.

I'm currently disputing the judgments as they're not on record with the court house so we'll see. One is due to fall off in Jan 09 and the other the end of 09, but I want them gone.

Re: Approved for Target!

granny031350 — Fri, 27 Jun 2008 01:15:25 GMT

I was approved for Target and I have not 1 but 4 BK's on my credit report. Chapter 7 in 01, Chapter 13 dismissed in 04, dismissed in 05 and then finally this last one that is awaiting discharge. (chapter 13) My score at the time was barely 600.

I got 200.00 and the issue with Target was that my report was free from collection accounts.

Re: Approved for Target!

Anonymous — Fri, 27 Jun 2008 01:23:04 GMT

Congrats!

I got a pre-approval when I used my debit card, last week. I decided to give it a go and was approved for the Target Visa with $1500. I was SHOCKED!

They pulled TU. I have a couple of baddies that are due to fall off next year.

Re: Approved for Target!

laryn41 — Fri, 27 Jun 2008 01:40:37 GMT

Just wondering...if you can get preapproved in store by using your debit card, is it possible for that to happen if you alreay have a store card? Just a thought

Re: Approved for Target!

Anonymous — Fri, 27 Jun 2008 02:47:03 GMT

lawskool09 wrote:
Congrats!

I got a pre-approval when I used my debit card, last week. I decided to give it a go and was approved for the Target Visa with $1500. I was SHOCKED!

They pulled TU. I have a couple of baddies that are due to fall off next year.

What? I thought that was a myth. They really do preapprove you on your receipt at Target?

Re: Approved for Target!

Anonymous — Fri, 27 Jun 2008 02:50:14 GMT

laryn41 wrote:
Just wondering...if you can get preapproved in store by using your debit card, is it possible for that to happen if you alreay have a store card? Just a thought

I'm thinking probably not, since I've been trying for nearly 3 years with perfect payment history and I've tried letting a balance report and paying in full.... I've used my red card for most purchases but sometimes use my debit card and I've never seen this. Though honestly, I rarely read all the stuff on my receipts.

Message Edited by UpUpUp on 06-26-2008 10:50 PM

Re: Approved for Target!

wahmom — Fri, 27 Jun 2008 03:41:55 GMT

I had a cashier tell me that the preapproval generally happens when someone make a large purchase with their debit card.

Re: Approved for Target!

Anonymous — Fri, 27 Jun 2008 03:42:56 GMT

Yep.. I heard this was true. You get the preapproval on your receipt, but you still have to enter some information. It took a couple of minutes to complete.

Re: Approved for Target!

MsKiwi — Fri, 27 Jun 2008 07:15:31 GMT

wahmom wrote:
I had a cashier tell me that the preapproval generally happens when someone make a large purchase with their debit card.

Any idea of what they consider a large purchase?

Re: Approved for Target!

wahmom — Fri, 27 Jun 2008 07:38:03 GMT

She told me that mostly it is random but she said honestly it usually shows up if you make a large(?) purchase. Not sure what they consider large but since most people only get $200 CL, I would imagine somewhere close to that.

They know you have the money to pay it otherwise you would not have been at the store making the purchase with your debit(checking) card.....OOOO I get it now!

Re: Approved for Target!

MsKiwi — Fri, 27 Jun 2008 08:20:04 GMT

wahmom wrote:
She told me that mostly it is random but she said honestly it usually shows up if you make a large(?) purchase. Not sure what they consider large but since most people only get $200 CL, I would imagine somewhere close to that.

They know you have the money to pay it otherwise you would not have been at the store making the purchase with your debit(checking) card.....OOOO I get it now!

That makes sense and I do need some things at Tarjay. I guess I'll see what kind of luck I have.

Re: Approved for Target!

wahmom — Fri, 27 Jun 2008 08:29:15 GMT

Keep us posted! If it works for you I might have to give it a try since they denied me and won't do a recon. They denied me because I didn't have any recent TL's on TU but they just aren't reporting yet. I asked for a recon and volunteered to send proof of the TL's and they said no I would have re-apply. I don't want any more IQ's if it's not necessary.

Re: Approved for Target!

Anonymous — Fri, 27 Jun 2008 13:07:37 GMT

How exactly do they preapprove you with your debit card? I find that odd. How do they get enough info. to preapprove? Or are you guys saying they just assume that since you can make a large purchase on your debit card that you'd be a good candidate for the card?

Re: Approved for Target!

braznyc — Fri, 27 Jun 2008 15:59:00 GMT

Wow this topic has evolved lol!

I can believe the debit card connection. Your credit history can be obtained without a s s# and considering that I now know for a fact that Tarjay works with Lexis Nexis the idea of the debit card connection seems very possible.

Re: Approved for Target!

Anonymous — Fri, 27 Jun 2008 16:13:08 GMT

I think I only spent around $60 at target when I got my preapproval.

I got my Sam's card the same way. Sam's wasn't nearly as generous and I only had to say yes to the card. I didn't need to provide further information like I did with Target. Scary....

Re: Approved for Target!

wahmom — Fri, 27 Jun 2008 16:25:29 GMT

Wow! I didn't know that Sam's did preapprovals at the register too!

Re: Approved for Target!

Anonymous — Fri, 27 Jun 2008 18:40:37 GMT

I went to target yesterday and spent like 40 bucks- used my debit but did it as a credit and she said I was pre-approved for a target cc- I turned it down.. I don't really need another inquiry for 200cl

Re: Approved for Target!

Anonymous — Fri, 27 Jun 2008 19:02:34 GMT

Yeah, I guess you are right, I just didn't realize that when they swipe your debit card they can

retreive all that information just from your card. Well, in my defense, dear boyfriend is a joint on the checking account I use to buy all household items, so if they are tapping into his credit profile, I won't be getting any preapproved anything!

Does anyone know if you already have the red card if they offer the upgrade to visa in this same manner? Might be worth a whirl using my personal checking account at target one of these days!

braznyc wrote:
Wow this topic has evolved lol!

I can believe the debit card connection. Your credit history can be obtained without a s s# and considering that I now know for a fact that Tarjay works with Lexis Nexis the idea of the debit card connection seems very possible.