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Yee Haw!!

Discussion in 'Credit Talk' started by KHM, Dec 20, 2001.

  1. Dec 20, 2001 #1
    KHM

    KHM Well-Known Member

    I just applied for the Target Visa and got approved for a Target guest card $200 limit. This is my first "retail" card, unless you consider Spiegel a retail card (I've never used it though). I hope this helps with ratios and everything. I probably won't use this one either, so that will help with balance ratios. THANK YOU EVERYONE!!! I owe this one to everyone on creditnet.
    For those who are wondering they pulled EQF and my score is either 612 or 614. I live in NH and everyone USUALLY pulls TU ut this time they didn't.
    I never thought I would see the 600 club let alone a retail card! Thanks again!
    KHM
     
  3. Dec 20, 2001 #2
    KHM

    KHM Well-Known Member

    Quick question, has anyone had any luck getting an increase as soon as they got their card? Or should I wait a few months and maybe use the card first, I really don't want to I just need the balance ratio help.
    KHM
     
  4. Dec 20, 2001 #3
    newstdt

    newstdt Well-Known Member

    Congratulations! Wish I could get one!! I tried but they don't want me yet! :(

    Have fun!
     
  5. Dec 20, 2001 #4
    Quixote

    Quixote Well-Known Member

    Me Too!

    Congrats, KHM!
     
  6. Dec 20, 2001 #5
    Kittw1

    Kittw1 Well-Known Member


    What were your scores when you applied?
    And don't you need another credit reference to apply?
     
  7. Dec 20, 2001 #6
    breeze

    breeze Well-Known Member

    Congratulations!!
     
  8. Dec 20, 2001 #7
    Erica

    Erica Well-Known Member

    I tried when my score was 586, DENIAL. And I work for Target. WHATEVER!!!!
     
  9. Dec 20, 2001 #8
    kustomkat

    kustomkat Well-Known Member

    Kellie,
    You should try for the citi AA card sliver then gold.... anything over 600 seems to get approved...

    I was about 605 EX when I got approved in my first round...

    Kev
     
  10. Dec 20, 2001 #9
    KHM

    KHM Well-Known Member

    Kev,
    My EQF is the only one that is oer 600, my EXP is 582 (should go up soon when the inqs come off) last time I checked my TU was LOW 500. I'm gonna hold off cause most lenders check TU with me. Thanks for the info though!
    KHM
     
  11. Dec 20, 2001 #10
    Erica

    Erica Well-Known Member

    Kev, my equifax is 603, Exp is 580 and TU is 615. What do you think my chances of the citi cards is? My mailing address is in western NY.
     
  12. Dec 20, 2001 #11
    KHM

    KHM Well-Known Member

    Ok I'm gonna give it a shot, which citi aa card though. The world MC, the miles?
    KHM
     
  13. Dec 20, 2001 #12
    GEORGE

    GEORGE Well-Known Member

    http://www.citibank.com/us/cards/cardserv/worldcard/
    SILVER IF APPROVED THEN GOLD (same hour, back to back)...NOT WORLD...

    If approved, for one or both, when you get card(s) call to combine and trade for PLATINUM SELECT...

    DON'T ACTIVATE THE CARD(S)...
     
  14. Dec 20, 2001 #13
    kustomkat

    kustomkat Well-Known Member

    Sam got his first AA card with a high 500 EX score I believe like 580 or so.....
    I was at 605 or so on Experian.
    My Girlfriend was around 575 when she got silve 3500cl and gold 6000cl they have pulled experain every time on me, my gf and my best friend.

    Kev
     
  15. Dec 20, 2001 #14
    QUEEN_BEE

    QUEEN_BEE Well-Known Member

    Kev,

    Did any of you have any derogs still on the report at the time you applied for the Citi AA?
     
  16. Dec 20, 2001 #15
    kustomkat

    kustomkat Well-Known Member

    I have 1 unpaid collection from 98 and 1 paid charge off with a 30,60,90 from 98... score lower 600's

    My gf has a paid collection from 98, 30 and 60 day lates from sears, 150 late from student loan, 30,60,90,150 from another student loan and 1 unpaid collection.. score upper 500's


    we both have been approved for citi aa silver and gold a few times...


    Kev
     

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