Just an FYI, I applied online for the Target Visa, I live in Florida, got the 2 week response, and the letter stated they pulled Experian and CSC/Equifax. Reason for denial was too many inquiries and a collection account reporting on Experian. Checked both reports and the Equifax inq. was on 7/12 and the Experian inq. was on 7/13. Maybe they are getting smart.