morrow Posted May 16, 2003 Report Share Posted May 16, 2003 Ive been debating about applying for a Target card. I figure if they say no then it's not going to be difficult getting the inquiry off EQ (since thats who they pull from).And also, later down the road I can upgrade to a Target Visa.Any advice would be appreciated. Link to comment Share on other sites More sharing options...
techgoddess Posted May 16, 2003 Report Share Posted May 16, 2003 I've got a Target card. There's no annual fee so it's really nice. I'm not sure what the interest rate is like though because I've had a zero balance since '95. Link to comment Share on other sites More sharing options...
fixmycredit Posted May 16, 2003 Report Share Posted May 16, 2003 Absolutely! You have to test your new credit. I just got my chase cash back card in the mail today; yippy! Link to comment Share on other sites More sharing options...
sisflomi Posted May 16, 2003 Report Share Posted May 16, 2003 Morrow are your scores FICO or just cra scores??? Link to comment Share on other sites More sharing options...
morrow Posted May 17, 2003 Author Report Share Posted May 17, 2003 These are just the scores that I got from the 3 CRAs online. [Edit by morrow on Friday, May 16, 2003 @ 11:46 PM] Link to comment Share on other sites More sharing options...
DocDon Posted May 17, 2003 Report Share Posted May 17, 2003 What could it hurt considering you can get the inquiry removed? Link to comment Share on other sites More sharing options...
sisflomi Posted May 17, 2003 Report Share Posted May 17, 2003 I am scared to apply for anything. Seems someone applied for cap1 in my name back in March, and it declined!!!!!!! Who can't get a crap1 card!!!!!!!!! LOL, my scores are up a bit more now compared to then. I have about five hospital and cable collections, and a 5.00 bounced check!!! 2 co's from 5-02. My scores are at 558 EQ 597 EXP last check with TU was 505 fico, 584 pg. EXP is from credit exp and 558 is from PG. FICO with eq is 517. I have two current cards, hhbk paid down to 10.00 w/300.00 limit, FirstPre paid to 204 (paying it off this week) w/350 limit closed out, one installment for 1200.00 w/50.00 left oweing, finger hut, no balance since 01. Think there is anything I might be able to get? Someone told me to try for Target, but again, I don't want to risk anything yet if I know I won't get it. I don't need the money at all, as I am fine paying cash for things. Just need to keep the activity moving on my cr's. I have had no late pays or bad notations since early 2002. All current accounts are paid as agreed. Link to comment Share on other sites More sharing options...
delighted4 Posted May 17, 2003 Report Share Posted May 17, 2003 Morrow,I believe I made a suggestion on this board before. We should have a new area where we list credit cards then members submit info after they receive a card. The info would be the accepted score and what report the company pulled(if they can do a little research). That would be a great source of information. Good luck in whatever you choose. Link to comment Share on other sites More sharing options...
Capepuffin Posted May 17, 2003 Report Share Posted May 17, 2003 <blockquote>Originally posted by delighted4Morrow,I believe I made a suggestion on this board before. We should have a new area where we list credit cards then members submit info after they receive a card. The info would be the accepted score and what report the company pulled(if they can do a little research). That would be a great source of information. Good luck in whatever you choose.</blockquote>Definately! I agree totally. Kristy let us have a new board, PLEASE. One just for OC's and info pertaining to our CC applications sucess and denials. Who pulls from which bureau and scores needed to get accepted. etc... Link to comment Share on other sites More sharing options...
morrow Posted May 20, 2003 Author Report Share Posted May 20, 2003 DUDE JUST GOT APPROVED!!!! It was almost instant! I did it online, filled out the app. hit enter and on the next screen it said congrats, YOU'VE BEEN APPROVED!! Now it only has a $200 limit, but I dont think you understand how long its been since Ive been approved for a CC.Think I might cry! Link to comment Share on other sites More sharing options...
raisingmyscore Posted May 20, 2003 Report Share Posted May 20, 2003 CONGRATS MORROW!!!Very happy for you! Target is a great starter card. That is a HUGE step!!! Keep working at it, your hard work is JUST starting to pay off!! Link to comment Share on other sites More sharing options...
Lucifer Posted May 20, 2003 Report Share Posted May 20, 2003 Heh I have a 647 Equifax and I BET you that I would get denied for the Target card. I have some where in the area of 18 hard inquiries. I am not applying for another credit card until I have less than 5 inquiries on all 3 credit reports.... What do you think? Link to comment Share on other sites More sharing options...
morrow Posted May 20, 2003 Author Report Share Posted May 20, 2003 Well, I thought for SURE I was going to get denied!But seeing how Target only pulls from EQ, and its a piece of cake getting the inquiries off I figured why not? The worst thats gunna happen is that I will have 1 more inquiry to get off, no problem.Seriously dude, I've got collections and a charge-off and it worked for me, and I found out instantly!Suck it up and do it!!!! Link to comment Share on other sites More sharing options...
creditmess Posted May 20, 2003 Report Share Posted May 20, 2003 I wonder if I should apply ... Link to comment Share on other sites More sharing options...
morrow Posted May 20, 2003 Author Report Share Posted May 20, 2003 DO IT!!!!!!!!!!!!!!!!!!!!!!!peer pressure....come on, you'll be cool if you did everyone will like you Link to comment Share on other sites More sharing options...
sisflomi Posted May 20, 2003 Report Share Posted May 20, 2003 Do you have a bk Morrow? And again, are scores from PG? OR Myfico? Link to comment Share on other sites More sharing options...
morrow Posted May 20, 2003 Author Report Share Posted May 20, 2003 <blockquote>Originally posted by sisflomiDo you have a bk Morrow? And again, are scores from PG? OR Myfico?</blockquote>No BK...and my scores are just what I recieved from pulling them myself from all three CRAs. Link to comment Share on other sites More sharing options...
sisflomi Posted May 20, 2003 Report Share Posted May 20, 2003 Ok, thanks. Link to comment Share on other sites More sharing options...
morrow Posted May 20, 2003 Author Report Share Posted May 20, 2003 pssstt...are you gunna try? Link to comment Share on other sites More sharing options...
creditmess Posted May 20, 2003 Report Share Posted May 20, 2003 I am scared :notsure: Link to comment Share on other sites More sharing options...
creditmess Posted May 20, 2003 Report Share Posted May 20, 2003 baaahhh dammit!"your application requires further processing, we will contact you winthin 2 weeks" LOL WTF!!! It's all your faul morrow!! Link to comment Share on other sites More sharing options...
sisflomi Posted May 20, 2003 Report Share Posted May 20, 2003 Just do it credit, I did. Of course, I got the we need more info, so I am sure its a turn down. But its a start. I am using bf's reports to be my test for things!!!!!!!!! We have a lot of the same things on our reports and pretty close numbers. He just filed bk though, so he is going to end up with a better chance than me. Though, he filed bk on pretty much all the bad credit cards out there. Cept for First P, and we all know what thats gonna cost us!!!!!!!!! And it says you need to be 6 months out of bk to try for the card!!!!!!!!! I am gonna try and add him to my hhcard. I also did check mine with hh, as they will do a soft inq and tell you what you can get before you actually apply. Said I would be able to get the HHBank Gold I think it was. I declined though, as I have a co with orchard and didnt want to take a chance with them getting me a new card and appling old balance to it!!!!!!!!! Can't understand why hhbk gives people new cards when they have defaults that are still not paid with them already. Anyone else have co's with hhbk and get new credit with them? Link to comment Share on other sites More sharing options...
morrow Posted May 20, 2003 Author Report Share Posted May 20, 2003 <blockquote>Originally posted by creditmessbaaahhh dammit!It's all your faul morrow!! </blockquote>Im sorry as a consolation to your loss due to my pressuring, I volunteer to make the phone call to EQ and get the inq off for you okay! Link to comment Share on other sites More sharing options...
sisflomi Posted May 20, 2003 Report Share Posted May 20, 2003 lol, hey, you would prob do much better than we can with it.......i have no luck except with b.u.m.p.s.......lol thats too funny Link to comment Share on other sites More sharing options...
techgoddess Posted May 20, 2003 Report Share Posted May 20, 2003 <blockquote>Originally posted by morrowDUDE JUST GOT APPROVED!!!! It was almost instant! I did it online, filled out the app. hit enter and on the next screen it said congrats, YOU'VE BEEN APPROVED!! Now it only has a $200 limit, but I dont think you understand how long its been since Ive been approved for a CC.Think I might cry!</blockquote>Woohoo!!!!!!!!! At least your limit is higher than mine! (My limit's 100 bucks) Link to comment Share on other sites More sharing options...
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