She told me my acct has a low credit limit (200) and that would not make me eligible. I told her some reps say otherwise. She seemed adamant that the Visa's are being given to those who pay their bal in full per month, have high Target credit lines, and have a good score based on history. She did say a hard inquiry is not pulled. So, I called up and spoke to another rep, she said that it is based on credit bureau reporting. Well, I guess we just have to wait til November and apply on our own.