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anyone know how starting lines of credit for the target credit card is like?

FinStar
Moderator

Re: target cc


@squarebasketball wrote:

wow. called to verify some details and still returned with 7-10 day message via mail. horrible bank lol


@squarebasketball -- and exactly how is it that they're a "horrible bank" lol?  Meaning, because they didn't approve you on the spot?  I mean, I could see if there's no rhyme or reason for everyone getting denied for their particular card, but I would assume that's not the case here.

Message 11 of 29
squarebasketball
Frequent Contributor

Re: target cc


@FinStar wrote:

@squarebasketball wrote:

wow. called to verify some details and still returned with 7-10 day message via mail. horrible bank lol


@squarebasketball -- and exactly how is it that they're a "horrible bank" lol?  Meaning, because they didn't approve you on the spot?  I mean, I could see if there's no rhyme or reason for everyone getting denied for their particular card, but I would assume that's not the case here.


they are slow lol. should of at least gave me a decision after i verified my info through phone. slow=horrible to me lol. kinda like navy fed lol horrible 

Message 12 of 29
FinStar
Moderator

Re: target cc


@squarebasketball wrote:

@FinStar wrote:

@squarebasketball wrote:

wow. called to verify some details and still returned with 7-10 day message via mail. horrible bank lol


@squarebasketball -- and exactly how is it that they're a "horrible bank" lol?  Meaning, because they didn't approve you on the spot?  I mean, I could see if there's no rhyme or reason for everyone getting denied for their particular card, but I would assume that's not the case here.


they are slow lol. should of at least gave me a decision after i verified my info through phone. slow=horrible to me lol. kinda like navy fed lol horrible 


Different strokes for different folks I suppose, but given that some decisions are not always instant + the nuances of identity theft, I'd rather have them verify everything they need than end up having to rectify things later 🤷‍♂️

I suppose the letter will confirm the results, but alas may take a bit for you to receive it.

Message 13 of 29
OmarGB9
Community Leader
Super Contributor

Re: target cc


@squarebasketball wrote:

@FinStar wrote:

@squarebasketball wrote:

wow. called to verify some details and still returned with 7-10 day message via mail. horrible bank lol


@squarebasketball -- and exactly how is it that they're a "horrible bank" lol?  Meaning, because they didn't approve you on the spot?  I mean, I could see if there's no rhyme or reason for everyone getting denied for their particular card, but I would assume that's not the case here.


they are slow lol. should of at least gave me a decision after i verified my info through phone. slow=horrible to me lol. kinda like navy fed lol horrible 


Navy fed horrible? Now there's something you don't hear every day. How is Navy slow? Just curious.


Last App: 05/30/2021
Capital One Auto Refinance Loan

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 14 of 29
squarebasketball
Frequent Contributor

Re: target cc


@OmarGB9 wrote:

@squarebasketball wrote:

@FinStar wrote:

@squarebasketball wrote:

wow. called to verify some details and still returned with 7-10 day message via mail. horrible bank lol


@squarebasketball -- and exactly how is it that they're a "horrible bank" lol?  Meaning, because they didn't approve you on the spot?  I mean, I could see if there's no rhyme or reason for everyone getting denied for their particular card, but I would assume that's not the case here.


they are slow lol. should of at least gave me a decision after i verified my info through phone. slow=horrible to me lol. kinda like navy fed lol horrible 


Navy fed horrible? Now there's something you don't hear every day. How is Navy slow? Just curious.


i push a payment from my credit union and it takes most banks 2 days max to receive the payment. Navy fed on the other hand takes 2 weeks.... horrible! i know i pull money from other bank accounts into navy checking and pay that way, but i can't be inconvenienced like that lol. navy fed is terrible i tell ya!

Message 15 of 29
OmarGB9
Community Leader
Super Contributor

Re: target cc


@squarebasketball wrote:

@OmarGB9 wrote:

@squarebasketball wrote:

@FinStar wrote:

@squarebasketball wrote:

wow. called to verify some details and still returned with 7-10 day message via mail. horrible bank lol


@squarebasketball -- and exactly how is it that they're a "horrible bank" lol?  Meaning, because they didn't approve you on the spot?  I mean, I could see if there's no rhyme or reason for everyone getting denied for their particular card, but I would assume that's not the case here.


they are slow lol. should of at least gave me a decision after i verified my info through phone. slow=horrible to me lol. kinda like navy fed lol horrible 


Navy fed horrible? Now there's something you don't hear every day. How is Navy slow? Just curious.


i push a payment from my credit union and it takes most banks 2 days max to receive the payment. Navy fed on the other hand takes 2 weeks.... horrible! i know i pull money from other bank accounts into navy checking and pay that way, but i can't be inconvenienced like that lol. navy fed is terrible i tell ya!


Are you sure that's not an issue on your CU's end? Cause it sounds to me like your CU is mailing a physical check to Navy rather than doing an ACH transfer. That would explain why it takes 2 weeks vs 2 days with other banks if they're paid via ACH.


Last App: 05/30/2021
Capital One Auto Refinance Loan

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 16 of 29
squarebasketball
Frequent Contributor

Re: target cc


@OmarGB9 wrote:

@squarebasketball wrote:

@OmarGB9 wrote:

@squarebasketball wrote:

@FinStar wrote:

@squarebasketball wrote:

wow. called to verify some details and still returned with 7-10 day message via mail. horrible bank lol


@squarebasketball -- and exactly how is it that they're a "horrible bank" lol?  Meaning, because they didn't approve you on the spot?  I mean, I could see if there's no rhyme or reason for everyone getting denied for their particular card, but I would assume that's not the case here.


they are slow lol. should of at least gave me a decision after i verified my info through phone. slow=horrible to me lol. kinda like navy fed lol horrible 


Navy fed horrible? Now there's something you don't hear every day. How is Navy slow? Just curious.


i push a payment from my credit union and it takes most banks 2 days max to receive the payment. Navy fed on the other hand takes 2 weeks.... horrible! i know i pull money from other bank accounts into navy checking and pay that way, but i can't be inconvenienced like that lol. navy fed is terrible i tell ya!


Are you sure that's not an issue on your CU's end? Cause it sounds to me like your CU is mailing a physical check to Navy rather than doing an ACH transfer. That would explain why it takes 2 weeks vs 2 days with other banks if they're paid via ACH.


I'm pretty sure it's not my CU. my CU sends electronic payments to every bank except navy fed... unless you guys are using another address not listed on the navy fed website, i'm sure it's just that navy fed sucks lol

Message 17 of 29
squarebasketball
Frequent Contributor

Re: target cc

had to fax license and ss card info and bank statement to the bank that handles target cc's.... uughhhhhh

Message 18 of 29
FinStar
Moderator

Re: target cc


@squarebasketball wrote:

had to fax license and ss card info and bank statement to the bank that handles target cc's.... uughhhhhh


Well, if TD Bank 'sucks' so much (along with your opinion about NFCU) why even do business with them or even pursue the Target RedCard? Isn't that going to create lots of agony for you?

Message 19 of 29
squarebasketball
Frequent Contributor

Re: target cc


@FinStar wrote:

@squarebasketball wrote:

had to fax license and ss card info and bank statement to the bank that handles target cc's.... uughhhhhh


Well, if TD Bank 'sucks' so much (along with your opinion about NFCU) why even do business with them or even pursue the Target RedCard? Isn't that going to create lots of agony for you?


its worth it in the end. but right now its pain lol

 

honestly, i might cancel my navy fed card this week... haha

 

UPDATE:

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/target-CC/m-p/6422638

Message 20 of 29
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