hey all i applied for the target visa and guest card online and got a further processing message. I called them today and someone told me i was approved for both. I asked for the terms, and the call got disconnected. When i called back i got some arrogant guy and he told me right off that i was denied for both. I asked him to look on his computer and he said i was only approved for guest card. Is it possible that the visa just isnt in the system yet or was she wrong? i dont want to call back because i'm afraid that it will mess things up. The first time i called she put me on hold while she called another department to find out if i was approved. thanks all greg
I haven't heard of getting both. I believe the application is for the Visa. Now if you aren't approved for the Visa and your scores are not too bad, they will give you a guest card with probably a $200.00 limit to start.. Target Visa is score driven so a 650 or higher will usually get you approved. Hope this helps.
oh, ok. I have around a 630. She put me on hold for a few minutes then said that they approved me for both, so i dont know. One might be a mervyns card because I also applied for that. The other csr wouldnt even check he just straight out said i was declined because the website said further processing.
I had 657 and got turned down for the Visa, but got the Guest card. I did have my car loan with a couple of 30 day lates - so that might have been why. So, 650 won't always do it for you.... Mommy2cats
As I said before, a 650 or higher USUALLY will get you approved. It's not a definite, but everyone else who posted on this subject before had 650 or better. Also, you can get both, I just meant as far as applying online, I have not heard of anyone getting both at the same time with one application.
How old were your lates? How many positive accts do you have? I was considering applying b/c I had heard it was easy to get. hmmm Have you recently applied for anything you did get when scores were in the low to mid 600s?
yeah they sent me the ghetto looking guest card with a 200 dollar limit. i didnt really want a retail account since i have 5 now. oh well.
I would reapply after your scores improve. Wait a few months. I do want to add that I received a Target Visa and only received a 500.00 limit. I called back after the so-called 90 day period for an increase and was denied and they didn't give a reason. My reports have improved greatly since then and Target Visa didn't even do an A/R yet. My balance is zero and I may close it if they won't increase it soon. The worst part of it is that I have had my Target Retail since 1997 with no lates ever. RNB has been upgrading many retail cardholders to the Visa with high credit lines and here I can't get past 500.00. So I don't think the Visa is all that great so don't be too upset.
I'm not sure if you were asking me this or not - but my car loan had a year old 30 day late on it, and a few from over two years ago. No other derogatories. Wish I had known that Sears AU account was finally going to fix itself three days later (changing the opening date from 1995 to 1975 - it boosted my score over 700!). But the Guest card is a start. I think I'll try for a GM Card after the Target card starts reporting. (also want to see if bumpage gets rid of the inquiry for Target before I apply for anything else). Mommy2cats
I'm curious about your AU account...you said you changed it from 1995 to 1975 or was it just misprinted and it needed to be changed? How many AU lines do you have? Sounds like you saw a significant change, do they only report to eq? I want to do bumpage, but Eq has not "allowed" me to pull my credit online for MONTHS (literally 5 or 6) and everytime I call, they have to "send it to technical dept" and someone will contact me. Yeah, right!! Not yet they haven't! Does anyone else pull EQ like CW does?
yeah i just have such crappy accounts.. i cant get anything good but citi. All i really want is a sears card and they've denied me like 6 times. oh well.
It was supposed to have been 1975 - but someone must have made a typo and put it on as 1995. I wrote Sears and they fixed it - and it made a difference. (20 years SHOULD make a difference!) Somehow they also left the wrong one on there too - so it looks like I have two Sears accounts - one opened in 1975, one opened in 1995. This is my only AU account. My mom put me on her Best Buy card but they don't report AU's. For some reason it STILL has not shown up on Experian or TU yet - hopefully soon it will. Sears does report to all three. I especially need it on TU as I have NO open accounts on there. (they deleted my car loan for some reason - which I guess I don't mind as it had a few 30 day lates that Ford won't take off for anything). Mommy2cats
I got the Target Visa 500 cl. I had the Guest Card for about 4 months, they bumped it from 200 to 500 after 2 months w/o asking. Bummer is you can't combine cards.
Kit..... did you pay off your target guest card each month? Wondered why they raised it. I got denied for the target visa because my cards were charged too high. (my masssiveeee credit limits ha!)
Interesting! ps.....when I called their credit dept (rnb re: target visa) and asked them to reconsider, she was extremely helpful and explained some things I thought you guys would find interesting. I knew that mortgage and auto inquiries were worlds apart in scores, but so is the cc score. My cc score that rnb pulled, was 110 pts lower than my auto inquiry! (I had two auto inquiries in two days that were identical) She said if I paid down my cc's (85% charged up) and used and paid off my guest card every month, in 3-6 mos my cc score would not only shoot up, but they'd raise my cl on the guest card and probably give me the visa too. (different dept she said.) FYI
