Equifax 667 - Experian 621 - TransUnion 626: What credit cards can I get with these scores? currently have Household and 2 Capital One's.
heard that Target Guest approves with fico over 650, assuming their are no current derogs for a lousy 200-300 limit.
Many people, including me, with recent bk 7's on the CR's, have received a Target Guest (Retail) card with limits between $200 -$300. If you apply online they pull a "hard inq" on EQF; in store, they pull TU. EQF is my worst score with bk 7 on it; TU is my best (my bk doesn't show up as a "Public Record" but some accts say "CH 7 bk". It appears that it's good to have a "Retail Card" in your "Credit mix" and the Target Guest is supposed to be one of the easier retail cards to get. I know some people have received a KMart card but initial CL of only $50, so it wasn't worth it to me to take a hard inquiry hit just to end up with a mere $50.
If the online application shows that I will get a notice in 1-2 weeks, does that mean I got denied for the CC AND the Guest card? My EQF FICO is around 620.
