Target card apps resulting in two separate hard pulls under two different names?

[Anonymous]

Has anybody else heard of this? Apparently if you apply for a Target card and you don't qualify for the Target Visa, Target runs a second hard pull to attempt to qualify you for a store only card. Can they legally do this without making it clear to you before hand that they may run two different credit checks for two different cards? I know that some lenders will pull from more than one CB, but if thats the case then shouldn't it show up on a report as the same lender?

For that matter, can a Credit Card company do multiple hard pulls on you for the same product in a short span of time (like a month or less)?

[llecs]

Target only offers one app and based on your info, you are approved one or the other (typically store first). There should only be one inquiry per CRA.

Lenders can pull more than one report. CapOne is a great example of that.

[LisaJ]

I don't know, but I had the same thing happen to me at Ashley Furniture--they use two different banks. I guess it is in the fine print.

As an aside, I can't tell you how thrilled I was with the $500 limit on the account for my TWO hard pulls.  (Insert sarcasm).  Especially since it is a GEMB account and I have been very good with GEMB.

On the other hand, it saved me from spending a fortune on furniture. LOL.