Just for giggles i decided to apply for the Target Guest Card.. My scores are kinda low but figured if they pull EQ ill just keep pulling reports until it comes off... Low and behold the screen pops up were processing your application then another screen pops up and says youve been approved! I about shit my self.... They then said continue to see terms and conditions... I then went back to check status of application just to see if i really was approved but they didnt give me any application Id numbers to put in . Do i just wait and see now or what??
Dang you neo(just kidding). They just turned me down with a 645 equifax. I have no negatives on the account. They said I had too much revolving credit(a big $1000 max give me a break) and too many inquiries(9).
i just got greedy and tried for the visa and got the requires further processing so thats a no go but the guest card is a start... They pulled EQ.. now its gonna take about 10 pulls to reach it via CW
Congrats ! I decided to apply last week but didn't think I'd get the card. My equifax FICO is 701 BUT my credit history is only 10 1/2 months old. So really I expected to be turned down, but for some reason I tend to do that when I apply for any cards. I got the "your application requires futher processing, blah blah." I checked the status online in a couple of days and it said "your approved!" Click here to read the terms and conditions. I was shocked! I received the card about 5 days later. I went to target a few days ago and spent $46 so the card would become activated and start being reported. The first time you use the card they'll have to call the authorization center. They wanted my License, and compared signatures on the back of the card and the signature on my license. The whole call only took about 3 minutes. And now it seems that after a year of having the guest card if your in good standing they send you the target VISA with a much higher limit! I surely hope that happens to me. Btw they only approved me with a $200 limit. I surely hope Target reports often
i just called the CS rep and there is a brand new target guest card account set up. so i guess its true.. i didnt ask the limit cause i figured its prolly about 200.00 but still a dept store card...
my 3 reason for turndown 1)revolving % too high($1000 total debt) 2)too many inquiries(9) 3)credit history too short(5 years) It should take me around 20 or so days to clear every inquiry off my report and then I will eliminate reason #2. I hope that gets me a card. all I want is one stinking store card and 1 non sub prime cc but I guess 2 never late car loans, 1 never late lease, 2 never late credit cards, and 2 never late personal loans is not good enough for them.
??? I only have one tradeline capial one visa, $300 limit ($275 high credit) , credit history is only 10 1/2 months old, and I had 7 inquires on my report , 8 now with the Target card. Very weird.....
My top 3 declining reasons: 1) Credit history too short - 3 years, 10 months 2) Too many inquiries - 7 in past 6 months 3) Too high revolving credit balances - $5,000 on 1 credit card. However, I have no judgements and have NEVER missed a payment. Regardless, my score has been about 634. So far, so good. I have the credit cards I want - now. I've got my Wells Fargo Platinum Visa at 9% fixed rate - so I can't complain too much - except for the high balance. And now I have a Wells Fargo Secured Card to use while I focus on paying off my high balance. I do want the Target Visa card (I want that SMART chip technology!) and the Mens Wearhouse store card again. (For every $500 spent at MW, they give you a $50 gift certificate!) However, these cards will have to wait at least 6 months until my large balance is paid off.
