Someone talked to a underwriter for Target (TD Bank) and they said that if you have 6 or more inquiries in the last 90 days then it's a automatic denial. I would check your reports to see if that could be the reason. I applied for Target on the 5th and my EQ score is not that great right now but before I applied I ws counting inquiries in my head lol while filling out the app All together my EQ (what they pulled) has ALOT of INQs like over 15 from before I joined MyFico but in the last 90 days I only had 1 (plus the target) and I was approved and only for $300. I seen people get denied with high scores because they had more then 6 INQ in the last 90 days.
Target Debit Card and Prepaid card also gives you all the benefits of the credit card including the 5%. That's honestly the better option because target likes to throw out small CLs. I have seen people in the 700s get $300-$500 from Target. I actually regret applying for mine
but good luck in whatever you decide!
Target Debit Card and Prepaid card also gives you all the benefits of the credit card including the 5%. That's honestly the better option because target likes to throw out small CLs. I have seen people in the 700s get $300-$500 from Target. I actually regret applying for mine
but good luck in whatever you decide!
@edcb wrote:Gave me a 7-10 day message. Humph. So I've been chilling and waiting for their STUPID letter so I can recon. I just wanted a few hundred dollar limit so my Target habit can be 5% cheaper.
Chase will build me up with 15k in credit but these guys don't want to touch me. Really guys? Really? Not even $500 or $1,000?
Pffffft!!!!! )))End of Rant))))
Target is notorious for terminal limits and nonsensical U/W standards. 
I don't see why not just do the target debit... makes more sense since no HP for that.
+1 I have the debit card to save 5% and it works just fine. 
