i know it may not seem like a big deal, but i think i am almost ready to test the waters..... wondering what kind of negs people had when they were approved. for instance i have a paid judgment, will they auto decline me????
I am pretty sure that it is harder to get the Target Visa and hubbys report at that time had a paid repo, 1 unpaid collection and one paid and he got 500.00. Not a great limit but it boosted his score 14 points.
I had 3 paid collections (all less than $500) and 1 late on a paid student loan on my Equifax, which they checked. Other than that, no negs. All were from 1997. I have 3 new visa/mc and 1 other store charge. All of those accounts are from 2001. FICO score was 603 at the time of application, and I got a $300 limit. I applied online and got it instantly. Good luck!
I believed Target will give anybody a chance. But, you may be prepare for a $200 card. I have had the card a little over a yr, was closed at $500. They increase $100 every 3 mos, it was auto touch phone. If you want large increase, then you need to speak with a live human. Go to the webside and apply, if not approved instantly, a person will manually review your application and perhaps the derogs was not too recent, they might consider to approved you. Hope this help. Herman
I've had mine since July, never been late. I just tried for an increase & was denied. Just not my day, I guess.
nursie, I'm not sure what you referred to... Auto phone increase? Speak with a supervisor? CL not maintained more than 3 mos? Did they pulled any report? Your current score looks good for Target, Don't know how you got denied. Herman
I tried the autophone increase. Took them 1/2 second to deny me. Said I'll get a letter. Target has been ticking me off alot lately (in the store), and my limit is a pitiful $200. I'm really thinking about ditching them.
I got the guest card in may/june 2001 with $200 limit...by September they increased it to $500(didn't even ask) and at the end of December requested via telephone auto-increase got another $100 so now I'm at $600..I had at least 3 collection accounts at the time they approved me and 1 30 day late.....scores in the low 500's
Do you think I could get aproved? The last time I looked my score with equifax was 560. It had come up almost 30 points. I am in the middle of another dispute, should I wait?
