Sort of a half-hearted woo-hoo.... I applied online for Target Visa and didn't get that but I did get a Target Guestcard. Very low limit - only $200. Well, at least it's a start! My EQ is at 657. It's mostly clean now except I have some lates on my Ford car loan and they won't come off (have tried every which way but white-out) Basically I have a very "thin" file now - Ford was my only open account. Guess I should be happy to get the Guestcard. I figure I can use it and build up some credit and then go for a Visa down the road. Am considering joining a credit union and then applying there. Mommy2cats
Whoa!!!! congrats. I saw you got aPPorved so i went ahead and tried myself. same thing here $200 limit. I'll take it now only have 2CC's both have $300 limits. Eq score is 666 no late and 7 hards.
You guys may see an automatic increase. I did within a couple of months after I got the $200 limit and that was with a recent bk discharge. They upped it to $500 with no notice to me. I didn't complain! LOL! Good luck and Congrats! We have to start somewhere!! Newstdt
I got my Target Guest Card in 1998 with a 200.00 limit and they keep raising it each year as I pay faithfully so now my limit is 900.00! I wonder what I could buy at Target for that much LOL
I have had my card since May and am due for an increase in November or at least thats what the rep told me. Tried to get raised a week early no deal. I may pay it off and let it rest for the month of November and see if the will send me a VISA.
I sent a letter to Target via PFB. Does Target respond to PFB letters? George, I wonder if you know. You are the King of PFB letters.
Mommy, same thing happened to me although when I applied I had a 703 on EQ. The mistake I made was I applied in the store at the customer service counter. Here in Kansas they run it through TransUnoin and NOT EQ. I read here that they use EQ if you apply online, or depending on where you live. My TU score was like 619 when they approved me. So if I had applied online I would have gotten the visa plus a nice cl, as I was able to do so with other cc companies that same week.
They pulled Equifax for me. I had 657. The only derog I have is a few 30 day lates on my car loan. I figure if I use the card and keep it on time and with a low ratio, then they'll up it and eventually offer me a Visa. Either way it can't hurt as I desparately need positive credit lines. Just took a 10 point hit with the inquiry, however if bumpage continues to work it'll be gone in less than two months. Mommy2cats
