Applied for Target Red Card online (although they check you for VISA first). I know I won't qualify for the VISA. Anyway, I got a message saying that my application required further processing and that I would receive a letter within 14 days. I am in the middle of protesting some of the medical collections because a few of them have been paid and a few of them should have been included in a double blind research study that I am participating in. I'm hoping that is why I got the further processing message, but I don't know. My credit scores aren't great; but they aren't as bad as some others whom I've seen approved on this site. My only baddies are medical collections to Multiple Sclerosis. Anyway, my scores are TU 616; EQ 626; and Exp 606. If you were me, what would you do? Would you call the backdoor number (if there is one listed) or would you just wait on the letter? Anyway, any help on this from any of you experts out there in Fico forum land would be appreciated. : ) Thanks!