I have had the Guest card for 7 months. Applied for the Visa and got turned down because of not enough credit history balances too high. My utilization is only about 10%.
Sounds like an excuse to deny you. As GEORGE had so elequently pointed out before, they don't owe you a reason for turning you down.
They are in the sock drawer now. They had been giving me increases every 6 months on my visa just for calling in. This last time they said no increase and the reasons they gave were the 2 of the reason codes on my experian report they got on their last acct review. Pure b.s.
Re: Re: What's with Target underwriting Target Visa was bad for me insulting initial credit line, No increase at activation and no increase when I called 6 months later. I suppose if I would use the card maybe I could parlay an increase but why bother when the line is the lowest credit line I have besides it's an ugly red
Re: Re: What's with Target underwriting I know. Something has changed with targets underwriting requiremenets but I do not know what precipitated it. Whatever it is, it stinks and your right, the red color is really funky looking
Re: Re: What's with Target underwriting CALL AND TRADE FOR THE SILVER CARD (ask for a "PRE-APPROVED" no inquiry CLI) on the same call
Re: Re: Re: What's with Target underwriting THEY SAID--->computer does the increases automatically...SURE IT DOES!!!
