Target - No Freakin Way!!!!

Discussion in 'Credit Talk' started by Cadillac408, May 11, 2001.

  1. Cadillac408

    Cadillac408 Well-Known Member


    Recap: I just got through paying a chargeoff from Target. Sent in the last payment on 1/17/01.

    Just now I remembered that "Sam" said that they are now pulling Equifax so I decided to apply. I called first to speak to a rep to see if there was a chance of re-opening my account and she said that I had to I did. I used my Am/Ex Gold as a credit reference <snicker> and I didn't get instant approval. I got application needs further processing and gave me # so that I could check the status. After kicking myself for even applying, I decided...what the hell...and checked the status:


    Congratulations! Your application has been approved by Retailers National Bank.

    Please keep a record of your account number, credit line and promotional code for your 10% savings on a purchase. This information will not be redisplayed online.

    Your account # is XXXXXXXXXX.
    Your credit line is $200.00.
    Your promotional code is xxxxxxxx.

    Your promotional code expires on 05/12/2002.

    You can use your new account to charge purchases at immediately! Your new Target Guest Card will arrive in the mail within 2 weeks for shopping in-store.

    I can't believe this! I am just blown away. I know it's only $200 but STILL.....this is great! Man, Target must be STRUGGLING for customers!
  2. nj_newbie

    nj_newbie Well-Known Member


    Do you know what credit score one needs to get the card? I love Target!

  3. Cadillac408

    Cadillac408 Well-Known Member

    Don't know. BUt I know my score on Equifax is 605 and my eLoan score (Experian?) is 607.
  4. Jim

    Jim Well-Known Member

    Congrats. I got the card in the mail in a week. I suspect that your credit rating is rising quite a bit with all the Junum deletions etc.
  5. Cadillac408

    Cadillac408 Well-Known Member

    Thanks Jim...

    I'm not sure what the deal is. 19 deletions w/ Junum but I still have a few paid negatives that I will work on getting off my self. But for now I'm taking a break. The credit stuff is wearing me out. I'll resume in a couple of months.
  6. Jim

    Jim Well-Known Member

    Re: Thanks Jim...

    I understand completely. I may wait to dispute again in November. I say "may" because I change my mind day to day as something new comes up.
  7. sam

    sam Well-Known Member

    Re: Thanks Jim...

    btw, my score was 605 as well when they approved me for $300.

    I Disputed most of my negatives, which artifically inflated my fico about 50 points.


    my gf loves this store. Now i get stuck with the bill every time we go :(
  8. breeze

    breeze Well-Known Member

    MP, congrats!! Sounds like things are getting better and better :D

    Keep in mind that just plain old "passage of time" raises your score too - taking time off won't hurt.

  9. DaveLV

    DaveLV Well-Known Member

    I'm resisting the temptation to apply. Until last couple of months all of my accounts were at least a year old, but I recently added Walmart, NextCard and Shell. The Shell doesn't report, but the other two do.

    I may go after Amex if I get brave but otherwise I think I'm done applying for credit for this year.

    I'm glad you were approved though! Funny it was so soon after you paid the charge-off.
  10. Doris K.

    Doris K. Well-Known Member

    Aren't all the Target cards going to be converted to Visa cards or Mastercards soon? I remember reading this somewhere not too long ago, but I haven't heard any more about it lately.

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