I did not know that Wal-Mart had a credit card program? I did obtain a K-Mart card through Capital One, very easy approval. I have applied for Target in the past, and have yet to be approved (though I have been approved for many other cards...). Target is pulling my worst report though.
Waaaah! I attempted to get a Target card last year and was DECLINED. However, in the same month, I got that $200 Cap One card that I was whining about last week, and a (yucky) First Premier. Go figure!
I would have been happy with even a $200 limit card at Target. I have found many great values at that store...in fact, I must admit that shopping there is somewhat of an addictive, guilty pleasure for me (LOL!!!).
Anyway, I believe they pulled my Experian, which is currently my worst report. I was planning to wait until later this year and try again. Guess I'd better not try for Wally-World....
Cindy, did you try on-line? You get instant approval with your acct. number if you qualify. Target does have some great stuff. We don't have one in our area yet, but sometimes when we travel, I like to shop there. Nice to have thier card for must have stuff.
Yep, I did try online, actually. An instant denial kinda stinks, but at least you don't have to wait in suspense for weeks. Since my credit troubles began a few years ago, I avoid those in-store instant credit booths because of a bad experience I had once at a baseball game ;-)
BTW...here in Atlanta, we pronounce it "Tar-zhay"! I just got a really kewl pair of shoes there for $4.. even the salesclerk was impressed....
I don't think of myself as affluent--just a bitter old woman who took her ex-husband to the cleaners. I just find Wal-Mart and Target sensible enough for my tastes. A pair of granny panties from Wally World serves me just as well as a pair from Neiman-Marcus and costs a whole lot less!
I don't have either of their cards, but my daughter had the Target card until just recently. She had quite a few negatives on her reports when she got it. They do report to all three CRAs but not until you use it for the first time.
To add one nice note about the Target card, when my daughter cancelled it recently, the rep told her that if she wants, she can instantly reactivate the card at any Target service desk or by calling customer service at any time within the next three years. I've never heard of such a thing before, but it could be helpful for those who need to boost their FICO temporarily while applying for a mortgage or some other major credit purchase.