Target Redcard/Barclay Apple Denial :(

Anonymous · ‎12-23-2014

Took the plunge today and app'd in store but I received the 10 day message. I called to inquire and I was told it was denied due to information from Equifax. O well, I was approved for Kohl's today so it's bittersweet. I also app'd for the Barclay Apple (high hopes I know), when I called for a recon the rep was super nice and said they want to see more growth from my Cap 1 card which is totally understandable. I'm taking my behind to the garden after this fun filled day, geesh.

TRC_WA · ‎12-23-2014

Gardening would be good at this early stage...

FICO8 current as of : 10-20-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24

Anonymous · ‎12-23-2014

Thanks TRC, I just got a little too excited.

Anonymous · ‎12-24-2014

What are you scores and history?

Anonymous · ‎12-24-2014

Do you have more then 6 INQ's in the last 90 days on your EQ report (the report that Target normally pulls) if they didn't pull EQ then whatever report they pulled. The reason I am asking because someone said once on here that they talked to a UW at target and they said if u have more then 6 INQ in the last 90 days their system automatically denies you no matter score and of course they don't do recons. I don't know how true it is and like everything else it's YMMV but just wanted to put that out there just in case.

Anonymous · ‎12-24-2014

@Anonymous wrote:
Do you have more then 6 INQ's in the last 90 days on your EQ report (the report that Target normally pulls) if they didn't pull EQ then whatever report they pulled. The reason I am asking because someone said once on here that they talked to a UW at target and they said if u have more then 6 INQ in the last 90 days their system automatically denies you no matter score and of course they don't do recons. I don't know how true it is and like everything else it's YMMV but just wanted to put that out there just in case.

I'm not sure how many inquiries I have, can I check that through the credit monitoring I have through myFICO? For some reason I was hoping they pulled TU in-store but I was wrong.

Anonymous · ‎12-24-2014

I guess you could count all the inquiry alerts from MyFico in the last 90 days of you wanted to unless you just pulled a updated report. Target is known to be a EQ puller no matter where or how you apply.

Anonymous · ‎12-24-2014

@Anonymous wrote:
I guess you could count all the inquiry alerts from MyFico in the last 90 days of you wanted to unless you just pulled a updated report. Target is known to be a EQ puller no matter where or how you apply.

So I've learned. Target was one of the store cards I wanted before gardening but alas I'll have to go without it.

Anonymous · ‎12-24-2014

@Anonymous wrote:
I guess you could count all the inquiry alerts from MyFico in the last 90 days of you wanted to unless you just pulled a updated report. Target is known to be a EQ puller no matter where or how you apply.

That costs $60.

I can think of 59.2 better things to spend $60, and it's just in time for the holidays!

Anonymous · ‎12-24-2014

@Anonymous wrote:
@Anonymous wrote:
I guess you could count all the inquiry alerts from MyFico in the last 90 days of you wanted to unless you just pulled a updated report. Target is known to be a EQ puller no matter where or how you apply.
So I've learned. Target was one of the store cards I wanted before gardening but alas I'll have to go without it.

Why?

Their debit card gives the same discount.