Target Guest Card

SD,


I think the Target Guest Card only has 1 rate and it is 21%. I haven't tried it myself and you called them to find out and their customer service is 800-659-2396.



Ron.

 

Thinking about applying do you know what your fico's are when u applied

 

I got my Guest Card over a month ago and its still not reporting on any report, I haven't used the card and probably never will, I just got it to help ratios and to get another retail card. How long does it usually take, or will I have to use the card in order for it to report.
Sorry, there I go hijacking again
BTW, my score was a 614 FICO when I applied and I was instantly approved

 

SD,


I have Target Visa and I asked them to lower my rate. They told me I have to wait at least six months to lower the rate. I called a couple of time and finally I get a hold of nice person. She told me that she can lower my rate. I have Target Guest for over 2 yrs and I never carry balance because they have high rate. Target Guest didn't post that they have lower rate and it doesn't mean they don't have lower rate. Never hurt to ask.



Ron.

 

KHM,


I have Target Guest Card over 2 yrs and they reported to all credit bureaus. I have Target Visa for over one month and they only report to TransUnion and Equifax. Sometimes it take them longer to report the account to all bureaus.



Ron.

 

Do you apply online for the Target Guest card or by phone for approval?

Janet

 

When I applies my FICO was in the 620-650 range. I was approved with a $300 cl.

If you do get approve by all means use it. Just to get the ball CR rolling.

Best regards,
Mirage

 

I just got my Guest card in the mail about a week ago. Now get this! I applied online and was approved instantly ($200 limit), however my scores are all in the mid to high 500"s! But my wife's scores are almost identical to mine but she was denied. What's up with that??

 

Janet,on-line,by phone,in-store,does not matter.

 

I was told they have only the one rate. I asked when approved.