Target Guest Card Question

[rising_score]

Does anyone know if the Target Guest Card reports to all three CRAs? I received mine last month, and so far, it is only reporting to Experian.

Also, if you have the Guest Card, do you know how long it may take to get them to convert it to the Target Visa?

[lyrech]

I don't know the answer to your second question, but the answer to the first is yes. I got mine in Feb. and they are now reporting to all three. yipee!

[jq26]

Yes, they report to all three. It showed up on all in about three weeks. Beware, Equifax shows the high balance as the limit- so use and pay off or it will tank your EQ utilization. TU and EX report correctly.

I called them yesterday after 3 months of having the card and asked them to up my limit and convert my card to a Visa. I use the card every month and pay in full. They denied both requests (through an automated desktop account review without a hard inquiry). They told me that after 6 months they generally will review my limit and increase it, but that conversion to a Visa usually does not happen. I know from reading this board that the CSR was probably just full of crap and was probably reading from cue cards, but that's their standard line.

[morechances]

Mine is reporting in all three CB. I called Target customer service to find out when they would switched the guest card to a Visa and the person that I talked to said that they don't normally do that. You have to apply again for the Visa and they will pull another inquiry for them to do that.

Go figure.

[rising_score]

Thank you all for the responses!

I guess I will wait a little longer, and if Target does not show up on EQ and TU I will call them and find out why.

[bellatragedia]

I haven't inquired to see if Target will upgrade my guest card to a visa. I figured they would have to have a separate application as most places do that if you want a different type of card they offer. They started me off with a $200 limit when I first applied and had many negs on EQ still and my score was barely 600.

After 6 months, they automatically raised my limit to $500. Most places will not do a CLI until at least the 6 month mark. Not saying all won't, but MOST won't, to keep in mind.

I will check with Target and see if they are upgrading guest cards or if it's a separate app.

[goalof700]

They started me at 200.00 and raised me to 500.00 in under 2 months. I used it and paid it off right away.

[Tourniquet416]

has anyone applied for this card online?

(i previously had a Target/ Mervyns Card and closed it.)

[jq26]

I went into the store. They wanted to see that I had another credit card, then gladly gave a $300 unsecured guest card. I think its pretty standard. My FICO was about 620 at that time, which was less than 3 months after BK7 discharge. For that reason, I don't think Target is very selective-

[rising_score]

I just checked my Equifax report and found Target Guest Card finally reporting, and as expected, without the credit limit. Now I just have to wait for it to report to TU.

[jq26]

this is how it looks through MCK. Equifax uses high balance as limit: (Equifax, Experian, TransUnion)

RETAILERS NATIONAL BANK

Account Number: 93XXXXXXXXX, 93XXXXXXXXX, 93XXXXXXXXX

Acct Type: Revolving or Option, Revolving Charge, Account Revolving account

Acct Status: Open, Open, Open

Monthly Payment: $0, $0, $0

Date Open: Jan, 2005, Jan 2005, Jan 2005

Balance: $0, $0, $0

Terms: N/A, Revolving, N/A

High Balance: $20, $20, $20

Limit: N/A, $300, $300

Past Due: $0, $0, $0

Remarks: CHARGE, N/A, N/A,

Payment Status: Pays account as agreed, Current, Paid or paying as agreed

[Tourniquet416]

Target approved me so fast online! so i'm going to buy an Ipod as soon as i get my card.

[flythai834]

can someone tell me the difference between a guest card and the visa, for target?

[Tourniquet416]

can someone tell me the difference between a guest card and the visa, for target?

A guest card can only be used at Target and a Visa can be used anywhere.

[flythai834]

can anyone get approved for the guest card?

[Trying*Hard]

I applied yesterday and got the further processing required probably due to the fraud alert on file but they pulled EQ do you think I will get it with a 594 fako.

[Tourniquet416]

I applied yesterday and got the further processing required probably due to the fraud alert on file but they pulled EQ do you think I will get it with a 594 fako.

i think you have to take the fraud alert off, then call them.

[Revco]

Yep...a fraud alert will prevent them from being able to pull your report and will get you nowhere. Hopefully they will send you a phone number or address to notify them that you've corrected it.

I would also advise people to make sure your personal data is correct and to not use a cell phone # when applying for a Target card. I actually got a big fat denial with an over 700 score because they couldn't "verify my phone number" and "the number provided is a mobile telephone number" - all they had to do was call me. I also was not provided a number or addy to appeal this. Kind of crazy...ah well...don't shop at Target anyway.

[Trying*Hard]

Well I thought that since a fraud alert was on file it would just make them be more careful and make sure I was the actual person applying for the card, they was able to pull a inquiry. Does that mean to say that they just tried and wasn't able to pull my report, anyway I tried to call but they didn't have anything in their system. This fraud thing is becoming a problem, I never asked for it some CRA put it on there and the other Two put it on their too because I disputed as "not mine" and it has helped me get inquiries off since it was put on there, but I guess I need to just take it off.

[jq26]

I have fraud alerts on all 3 CRAs and successfully opened up three lines of credit in the past few months. They just call you and ask you questions to verify that it is you. I had a fraud alert on when I opened my Target Card, but I did it in the store. They checked my ID and another credit card as verification that it is me.