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Target Red Card approved after 7-10 day message!

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Royalbacon
Frequent Contributor

Target Red Card approved after 7-10 day message!

With the news recently of people getting CLI and upgraded to the Mastercard I decided to apply for the Target card a few days ago. Got the 7-10 message, assuming it was a denial. Today I get a surprise phone call from a phone number  800-318-8433 and she left a voicemail saying shes from Target and please call back. I call and they verify my info then text me a 5 digit code instantly and I tell them what it is. She then said something like they'll be sending me a card. I was pretty sure it meant I was approved, but wasn't sure. Told myself I'd just wait for a letter or a card in the mail, but a few hours later I couldn't take it anymore and decided to call back, and she said I was indeed approved and apologized and said the rep I talked to earlier should of been clearer on whether or not I was approved.

 

That was a nice surprise to get a phone call! I just assumed it was a denial with the 7-10 day message.

 

Not sure what my limit is, didn't ask and I don't really care too much. I live in the Minneapolis area where Target originally started and where it's headquartered, and there are vast amounts of Targets here. But with the recent news of people getting CLI and upgrades, if I get a $200-300 limit, hopefully it can grow to at least $1000 within a year, or maybe I can get lucky and get upgraded to the Mastercard eventually even if it takes a long time.

Chapter 7 Bankruptcy Filed-September 2020 Discharged-December 2020
Kohl's Credit Card $3000 Limit (Opened October 2016) Survived Bankruptcy for whatever reason
Closed Capital One Venture One $3000 Limit (Opened December 2020, Closed by me September 2022 since I wanted the SavorOne and couldn't product change to it)
Capital One Auto Loan (Opened March 2021)
Capital One Cabela's $5000 Limit (Opened December 2021)
America First Credit Union Visa $1000 Limit (Opened December 2021)
Capital One SavorOne $5500 Limit (Opened September 2022)
Sam's Club Mastercard Synchrony Bank $2500 Limit (Opened March 30 2023) (Burned Synchrony in my CH7 BK, One card with a $745 balance)
Idaho Central Credit Union ICCU Visa $10,000 Limit (Opened April 2023)
Message 1 of 8
7 REPLIES 7
Anonymous
Not applicable

Re: Target Red Card approved after 7-10 day message!

That's nice, congrats on your Target approval. Not all 7-10 days message end up in denial. In a lot of cases, it is verification. Now, it is time to enjoy the 5 % Smiley Wink

Message 2 of 8
Vegas4Play
Valued Contributor

Re: Target Red Card approved after 7-10 day message!

Congrats to you !!!

Fico 8's TU 756/ EQ 754/ EX 743- 8/2020// AAoA 5.7 years // Lines August 2020 = 619k Personal - Business 61k // Inquiries 6 TU - 0 Exp - 0 Eq.
Message 3 of 8
Anonymous
Not applicable

Re: Target Red Card approved after 7-10 day message!


@Royalbacon wrote:

With the news recently of people getting CLI and upgraded to the Mastercard I decided to apply for the Target card a few days ago. Got the 7-10 message, assuming it was a denial. Today I get a surprise phone call from a phone number  800-318-8433 and she left a voicemail saying shes from Target and please call back. I call and they verify my info then text me a 5 digit code instantly and I tell them what it is. She then said something like they'll be sending me a card. I was pretty sure it meant I was approved, but wasn't sure. Told myself I'd just wait for a letter or a card in the mail, but a few hours later I couldn't take it anymore and decided to call back, and she said I was indeed approved and apologized and said the rep I talked to earlier should of been clearer on whether or not I was approved.

 

That was a nice surprise to get a phone call! I just assumed it was a denial with the 7-10 day message.

 

Not sure what my limit is, didn't ask and I don't really care too much. I live in the Minneapolis area where Target originally started and where it's headquartered, and there are vast amounts of Targets here. But with the recent news of people getting CLI and upgrades, if I get a $200-300 limit, hopefully it can grow to at least $1000 within a year, or maybe I can get lucky and get upgraded to the Mastercard eventually even if it takes a long time.


Congratulations!...Thanks For Sharing.Smiley Happy

Message 4 of 8
RonM21
Valued Contributor

Re: Target Red Card approved after 7-10 day message!

Congrats


Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 5 of 8
Anonymous
Not applicable

Re: Target Red Card approved after 7-10 day message!

Congrats! The 5% off really adds up if you shop at Target frequently

Message 6 of 8
Anonymous
Not applicable

Re: Target Red Card approved after 7-10 day message!

Congrats! enjoy the red card!

Message 7 of 8
CountryLivin
Valued Contributor

Re: Target Red Card approved after 7-10 day message!

Congratulations on the Target approval!

Message 8 of 8
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