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Target Approved!!!

andre181
Established Contributor

Target Approved!!!

Today I was at Target doing a little bit of Christmas shopping, and the app bug bit me. I figured it was worth it because I do shop at Target a fair amount and the 5% off is nice.

 

App'd at the register, instant approval for $1000 CL @ 13.25%!!!!! WOOHOO!!!

 

From what I understand Target is not usually that generous with CL's right? Most of my friends have Target Cards with CL's $200-500, and they have better scores than I do!

 

Also, they pull EQ right? I hope so, because EQ has the lease INQ's for me (only 4 or 5 I think, TU has 9, and EX has 7)

 

I've never had/needed/wanted a store card before, so its something a little new for me.

 

EDIT: I thought that I would also share that my util is ~5% atm. So that probably helped!

 

Discover IT $35K | FNBO Visa $30K | Cash+ Visa Sig $19.5K | Southwest Premier $16K | Priceline $15K | Citi Forward $14.3K | US Bank Plat $14K | Commerce Bank $13K | CSP $13K | CSR $10K | Sallie Mae World MC $10K | Lowe’s Consumer 10K | BoA Cash Rewards 1-2-3 Sig $7.5K | Fidelity Visa $7K | Citi Double Cash $6.5K | WF Cash Back Visa $5.4K | Capital One Cash Rewards $5K | AMEX BCE $3.9K | Freedom $2.5K | Younkers/Comenity $2.4K | Kohl’s 1.5K | Target $1.4K | EX FICO (from AMEX): 768, TU FICO (from Discover): 797, AAoA: 4.4 years
Message 1 of 19
18 REPLIES 18
CyberGeek
Established Member

Re: Target Approved!!!

CONGRATS
Message 2 of 19
CyberGeek
Established Member

Re: Target Approved!!!

CONGRATS

Message 3 of 19
bunnyrabbit
Valued Contributor

Re: Target Approved!!!

Congratulation andre!   It is nice CL  Smiley Wink  

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
It's very tough with small income ~ The Rewards are big little helper to me.
Message 4 of 19
Creditaddict
Legendary Contributor

Re: Target Approved!!!

13%???? come again... mine is like 25%

is this new for target?

Message 5 of 19
DI
Super Contributor

Re: Target Approved!!!

Did you start shopping again after you got approved?  Congrats!

Message 6 of 19
andre181
Established Contributor

Re: Target Approved!!!

Actually, I did go back and buy a couple more things that I wanted! Smiley Very Happy Its 5% off so why not right? LOL!!

 

creditaddict, IDK if its new, but the brochure with the terms they gave me with my temp. card say they have 3 tiers, 13.25, 17.25, and 22.9% depending on creditworthiness

Discover IT $35K | FNBO Visa $30K | Cash+ Visa Sig $19.5K | Southwest Premier $16K | Priceline $15K | Citi Forward $14.3K | US Bank Plat $14K | Commerce Bank $13K | CSP $13K | CSR $10K | Sallie Mae World MC $10K | Lowe’s Consumer 10K | BoA Cash Rewards 1-2-3 Sig $7.5K | Fidelity Visa $7K | Citi Double Cash $6.5K | WF Cash Back Visa $5.4K | Capital One Cash Rewards $5K | AMEX BCE $3.9K | Freedom $2.5K | Younkers/Comenity $2.4K | Kohl’s 1.5K | Target $1.4K | EX FICO (from AMEX): 768, TU FICO (from Discover): 797, AAoA: 4.4 years
Message 7 of 19
Creditaddict
Legendary Contributor

Re: Target Approved!!!

I called and the overseas call center had to search her pre-written instructions to tell me "target is not currently reviewing any accounts for APR reductions"

I was like great, the script is the same for CLI too

Message 8 of 19
mross1080
Established Contributor

Re: Target Approved!!!

Congrats! Just checked mine. Still a crappy 300 limit. You got a great limit and APR from them!

Message 9 of 19
Ulan
Established Contributor

Re: Target Approved!!!

 


@andre181 wrote:

Today I was at Target doing a little bit of Christmas shopping, and the app bug bit me. I figured it was worth it because I do shop at Target a fair amount and the 5% off is nice.

 

@App'd at the register, instant approval for $1000 CL @ 13.25%!!!!! WOOHOO!!!

 

From what I understand Target is not usually that generous with CL's right? Most of my friends have Target Cards with CL's $200-500, and they have better scores than I do!

 

Also, they pull EQ right? I hope so, because EQ has the lease INQ's for me (only 4 or 5 I think, TU has 9, and EX has 7)


 

Congratulations! Regarding the CLs, Target seems to have seriously changed with new applications. I applied on Tuesday for a Target card when I was buying a few small things. I got a CL of $2,500 at 13.25%. I have seen several people get $3,000 lately, but I guess my util was a bit high.

 

For me, they pulled indeed EQ. The pulls seem to be random, though.

Message 10 of 19
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