I just got approved for a Target Guest card. For a whooping $200.00. I was told the 21% interest rate could not be changed. Has anyone had any luck lowering it? What about raising the CL? My Score wasn't high enough for the Visa. They did two inquiries. I had applied about 20 days earlier, but could not be approved because Equifax did not show the proper address. So I go through all the trouble to get the address changed & a copy sent to Target. I was told they had to pull another inquiry cause the last app was to old.(?) They would not take the first inquiry off. Since the app was processed & a report pulled . I love all these rules. I just wish they would supply the rest of the nation with a copy of the rule book. Becky
Sorry I have no idea on those two. They did pull my Equifax, but they said they didn't have the score. My TU is 608. Becky
Dispute with the CRA the 2 INQUIRES...2 in 30 days is DUPLICATE!!! Everybody gets $200...even someone who has $1,000,000+++++ I did the TARGET VISA...(never had the store card).
On the interest rate, their is no provision for a variable rate so their is no chance of it changing. Also I think the top level credit limit should be like $700-$1000 I mean how much stuff can you buy at Target in a month?
Use the card religiously every month and pay it off and you will probbaly be given a Visa with a much higher CL at your anniversary date.
My guest card was at $4200 before they converted it to a Visa. All you have to do is religiously call the # on the card and select "credit line increase" every 3-4 months. Wish it were that easy with the Visa! -mj
They raised my $200 up to $500 a month or two after I got the card. Just keep your eyes open. Ps. I do use it almost every month. Newstdt
