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 re-apply...so 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: MP$40 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 target.com 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 target.com 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!