What was your score when you got approved and did you have any Collections on your CR? Also.. how many other cards did you have at the time that was reporting up to date? Thanks
MartysGirl, I don't know what my Equifax score is and I don't have any charge-off and collection accounts in any of my credit reports. I have too many cards at least 12 cards. If you have collection accounts , they may give you Target Card. Ron.
My FICO from CE was about 630, not sure what was TU at time of application. I did have a bk-13 on file from 1996 and a Citibank charge-off. The Citibank debt was part of the bk but the CRAs kept listing the debt as a charge-off, which lead to a bk-13 and a charge-off on my reports. Target Visa approved me for a Visa with a 6k cl at 18.99% Hope this helps. Best regards, Mirage
I got the Target Visa Card in the mail and they gave me $10,000 at 18.9% I dont know which report they pulled but i have no lates, no derogs at all and im jus shy of 700 on all 3 reports
Target Visa definitely pulls Equifax. They look for 660 and above but if you get turned down, wait until you have the turndown letter in hand and call in for reconsideration. They are able to pull EX in those circumstances is necessary or maybe you can talk them into it if your stuff isn't too bad. If you are automatically approved it is possible to talk them into a higher limit. Ask and ye shall receive. Seek and ye shall find. Knock and the door shall open unto you. Hear no evil, see no evil, speak no evil.
I got mines at 629 score, the only way you well know is to do it. I apply online and got the ok in a min.
Can you elaborate. I got my 15.9%, 1500 CL....my HH income dwarfs what I see being approved for 10,000 CLs here. I was actually thinking about cutting it up and trying the automated line again.
Call the customer service department, be confident, tell them that your spending patterns demand a higher limit, ASK 'em. They won't jump through the phone and kick your ass...
I just apply for target visa for my brother He got it. i don't know his cridet history but the household is 48,000
thanks dorothy. i know reps are authorized to do a 1 tier rate reduction....i wanted to know if there have been any specific CL anecdotes.
They denied me... My PG Equifax score was 664 and they pulled Equifax. I have a CH13 from 1998. The denial reasons were: Bankruptcy High Balances Account Age I know, I should have disputed the BK before I applied, but I wasn't thinking. The letter contained no number to call for reconsideration. Should I call a number on their website, or just use PFB? Is there even any reason to bother trying for reconsideration? I have had a Target guest card for almost two years now, with a perfect payment history and they have even increased the limit to $800. (That letter came on the same day as the denial!) Original limit was $300, then $500 and $700.
