Denied for Target card...

[Lyythine]

I have a target 1/2 mile down the road so I stop there almost every day for various items. In any case, I figured I might as well save 5% every time so I applied while in line last night. The cashier said I would receive my card in 7-10 days and handed me the printout. I noticed it said "further review," so I called only to find out I was denied for too many inquiries?! Including Target, I have 5 on EQ, no negatives and 800+ ficos. I was livid at the time, but have since calmed down to come and ask - is there anything I can do? The only reason for denial was the inquiries, so I'm wondering if anyone has any advice on how to recon? Thanks!

[Anonymous]

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@Lyythine wrote:
I have a target 1/2 mile down the road so I stop there almost every day for various items. In any case, I figured I might as well save 5% every time so I applied while in line last night. The cashier said I would receive my card in 7-10 days and handed me the printout. I noticed it said "further review," so I called only to find out I was denied for too many inquiries?! Including Target, I have 5 on EQ, no negatives and 800+ ficos. I was livid at the time, but have since calmed down to come and ask - is there anything I can do? The only reason for denial was the inquiries, so I'm wondering if anyone has any advice on how to recon? Thanks!

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That's bizarre.  No idea if they recon but that's absurd.  If nothing changes just get the Target RedBird card.  It's a prepaid debit card and you still get the 5% discount plus it has other advantages

[Lyythine]

Agreed! So ridiculous. Apparently not good enough for good ole TD Bank... 😒

[Anonymous]

Did a little research.  Apparently they don't do reconsider :-/. That store is beneath you anyways :-)

[Kutuzov]

Ridiculous, they probably denied it cause of your good credit, they know the ain't doing no money on interest with you and used that bs as a cover up.

[Anonymous]

Not every state has the Redbird. I wanted that originally but just settled for the Debit Card. Didn't want a hard pull and be stuck with a crappy limit, I spend a lot of money during the holidays at Target.

[Anonymous]

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@Anonymous wrote:
Not every state has the Redbird. I wanted that originally but just settled for the Debit Card. Didn't want a hard pull and be stuck with a crappy limit, I spend a lot of money during the holidays at Target.

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There's ways to get them even if they're not present in your state

[CreditCuriosity]

Wow I would be a bit upset to OP..  5 EQ inquiries and scores in the 800's and they turned you down.. What is TD Bank smoking?

[haiti222]

There is the Redbird prepaid and the Target Debit Card.You should be able to get the debit card which has the 5% off.

[Anonymous]

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@haiti222 wrote:

There is the Redbird prepaid and the Target Debit Card.You should be able to get the debit card which has the 5% off.

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The RedBird prepaid has the 5% as well.