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Target Debit Card Denial?

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Anonymous
Not applicable

Target Debit Card Denial?

To gear up for my holiday shopping, I thought I should finally jump on the bandwagon and apply for the Target Debit RedCard.  I put in all my info and was shocked to see a 7-10 day message.  Whaaaaaaaa??  My first thought was to call and recon but I know it's sometimes best to wait until you receive the letter to call.  Any thoughts on this?

Message 1 of 11
10 REPLIES 10
Pway
Valued Contributor

Re: Target Debit Card Denial?

Do you have any baddies on your chexsystem report?

Thank you for the wealth of knowledge I have learned from these forums. I am logging off as of November 9, 2022. I wish everyone great success.
Message 2 of 11
Anonymous
Not applicable

Re: Target Debit Card Denial?

No, not a thing.  I just bought a house so my address is less than a month old.  That's the only thing I can think of that would raise a red flag.  It's a debit card, not a credit card.  I don't know why it would be denied.  

Message 3 of 11
CH-7-Mission-Accomplished
Valued Contributor

Re: Target Debit Card Denial?

You should wait for the letter.  Oftentimes these are ID issues and they want more information.  Of course you could call and ask too.

Message 4 of 11
CH-7-Mission-Accomplished
Valued Contributor

Re: Target Debit Card Denial?

Do they HP for the debit card?

Message 5 of 11
Anonymous
Not applicable

Re: Target Debit Card Denial?


@CH-7-Mission-Accomplished wrote:

Do they HP for the debit card?


No, they ask for your ssn but that's only to confirm your identity.  That's why I was so confused on how I was denied!  

Message 6 of 11
CH-7-Mission-Accomplished
Valued Contributor

Re: Target Debit Card Denial?

The soft pull can still be used to confirm identify.  I bet you that it's the new address and they just need to confirm it's really you.  I think they have a lot of liability under the federal laws to protect against money laundering and the Patriot Act.  They are required to confirm who they issue credit to.

Message 7 of 11
Anonymous
Not applicable

Re: Target Debit Card Denial?


@CH-7-Mission-Accomplished wrote:

The soft pull can still be used to confirm identify.  I bet you that it's the new address and they just need to confirm it's really you.  I think they have a lot of liability under the federal laws to protect against money laundering and the Patriot Act.  They are required to confirm who they issue credit to.


That was my thinking too but I didn't know if anyone else had experienced this and could give direct btdt info.  I'll give a call and see what I can do.  Thanks!

Message 8 of 11
UncleB
Credit Mentor

Re: Target Debit Card Denial?

Good luck OP, and let us know what you find out! 

Message 9 of 11
Anonymous
Not applicable

Re: Target Debit Card Denial?

Do you perhaps have another (old) REDcard linked to your same SSN that you have not cancelled?

Message 10 of 11
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