Well after reading how Targets Guest Card is usually easy to get and that they use equafax to pull i applied because my score is 675 Well they denied me and i dont know why i had a Ch 7 discharged in 99 i have since obtained new credit cards and always pay ontime i dont usually carry balaces i wonder if i could call in and see abnout getting my application looked at again does anyone know TIA
That's weird. Did you have any RNB accounts included in your BK, like Mervyn's or Marshal Fields? My DH got a Target card with a much lower score, but I can't get one because Mervyn's was in my BK. Kim
I'm really surprised you were denied. Did you apply for just the guest or did you go for the VISA? I've seen people get the VISA with your score. I would call them and ask why and to reconsider. Kim
What can you do with a $200 limit anyway??? You spend $100 you are at 50% WHAT DO YOU DO IT YOU "NEED" TO SPEND $218.12???
Actually i only applied for the Guest Card I think I will call and maybe see if they will reconsider Heather
Re: Re: Target.......So Dissapointed I remember the week I got my first Visa card ($500 limit, woopee!) I went around the mall to all of the department stores and got cards from 6 or 7 stores that way.
Re: Re: Target.......So Dissapointed When I got my capitalone GOLD card, it came with a $200.00 limit. I didn't mind it.. they were the only ones who'd approve me.
UPDATE: I called into Targets customer service dept and the rep stated they could not verify my address so after confirming my address they went ahead and processed my app and I WAS Approved.... I dont know my limit or anything yet but hey i will soon find out.
If you need a nice higher limit store card to help your fico score go to carterlumber.com . I got approved with under a 630. It was the easiest card I have ever seen and they gave me 2000 and my wife 1500. My wife makes over 40k a year and got the smaller limit and I make under 1k a year from being a stay at home dad and daycare. hahaha. Can you say sexist.
Hi, How did Target "confirm" your address? Did you send them copies of old phone bills or credit card statements? MisterX
Re: Re: Target.......So Dissapointed Better hope they don't jack your homeowners insurance for having this card like they do on auto insurance for having a gas card.
Re: Re: Target.......So Dissapointed What happened is i have my CC statements sent to my po box but i used my home address on the application when i applied online and the cra has my po box listed so that was the hold up when i called in i was able to explain why the addresses were different and confirm other info. on my app.
