hawkfan Posted January 26, 2007 Report Share Posted January 26, 2007 They said if I get approved for the Target red card then I will get the target visa, so i did the on screen application name,ss#, phone number, and income, then it said requires further processing,is this a rejection? Link to comment Share on other sites More sharing options...
hawkfan Posted January 26, 2007 Author Report Share Posted January 26, 2007 They checked my higest creditscore EQ i have a 713 think I will get this card? Link to comment Share on other sites More sharing options...
VonAngel (aka EarthAngel) Posted January 26, 2007 Report Share Posted January 26, 2007 They said if I get approved for the Target red card then I will get the target visa That doesn't even sound right. Now...it does say that if you aren't approved for the Visa, then they will consider you for the store card. The 713 score itself sounds promising, but CC decisions aren't soley score-based. My intuition tells me that you will be approved, but Target can be a bit 'iffy'. Try calling them this afternoon to see if they've finished processing your application. Link to comment Share on other sites More sharing options...
hawkfan Posted January 27, 2007 Author Report Share Posted January 27, 2007 Damn i got denied for the target card wtf, I called them just now and they said I will be getting the letter in the mail as to why I was declined not even w a 713! No deros/cos, and a 6 figure salary to boot I feel like a pos. ty target!!!! I dont work but my wife does but on the on screen app it just asked for income, didn't asked if I work. I am curious as to why I got denied shall see soon. Link to comment Share on other sites More sharing options...
tmac01 Posted January 27, 2007 Report Share Posted January 27, 2007 That doesn't sound right because i just got approved with a 678 EQ Fico score... Link to comment Share on other sites More sharing options...
Tourniquet416 Posted January 27, 2007 Report Share Posted January 27, 2007 Damn i got denied for the target card wtf, I called them just now and they said I will be getting the letter in the mail as to why I was declined not even w a 713! No deros/cos, and a 6 figure salary to boot I feel like a pos. ty target!!!! I am curious as to why I got denied shall see soon. rears its ugly head.Count yourself lucky. Link to comment Share on other sites More sharing options...
LNY Posted January 27, 2007 Report Share Posted January 27, 2007 rears its ugly head.Count yourself lucky.Out of curiosity, besides upgrading you to a $1000 Visa, what exactly have they done to you? If this poster is "lucky" to have been denied, that must mean he/she has narrowly escaped certain mistreatment. I know they took a while to give you a CLI, but Target as a rule doesn't freely hand out CLIs. It's usually $200/$300--->$500--->$1000. How quickly they do that depends not on some sort of vendetta, but on what your credit report looks like when they review it. Is it at all possible that maybe your credit picture just didn't qualify you for an increase when you wanted one? And that when your credit improved, you got that Visa upgrade?Like everyone else here, I'm always amused at your distaste for Target. But constantly steering new posters away from Target and telling them that if they apply they'll be sorry for the rest of their lives is going a little too far. Especially when you've been upgraded to the same card/limit that the rest of us have. You may personally prefer Wal-Mart to Target, but that doesn't mean it's appropriate to advise everyone to eschew Target for Wal-Mart. Their circumstances may not be a good fit for a Wal-Mart approval, and they're being steered to it for all the wrong reasons and maybe wasting an inquiry they can't afford to waste in the process. WE ALL have to keep that in mind when we give credit advice here. Not everyone's circumstances fit our personal likes and dislikes, so we have to separate that from our credit advice, or else we risk hurting our fellow posters' chances of repairing or rebuilding their credit. And that goes for everyone here, OK?Lecture over. Let the Target-bashing recommence, but within reasonable limits when it comes to advising others. Link to comment Share on other sites More sharing options...
IHateCAs Posted January 28, 2007 Report Share Posted January 28, 2007 Will someone explain to me the obsession of people with good FICO scores chasing 19% APR cards with no real rewards? Link to comment Share on other sites More sharing options...
LNY Posted January 28, 2007 Report Share Posted January 28, 2007 Will someone explain to me the obsession of people with good FICO scores chasing 19% APR cards with no real rewards?Not everyone with a high score has a lot of tradelines. Some people have only just started, and have only one or two, or maybe nothing but secured or AU accounts. They want to build their own credit history, and store cards help to do that. Any lender who does a manual review is not fooled by a high score with a thin report, so these people need to start collecting TLs. Link to comment Share on other sites More sharing options...
hawkfan Posted January 28, 2007 Author Report Share Posted January 28, 2007 That 713 was my creditscore Link to comment Share on other sites More sharing options...
kevin3344 Posted January 29, 2007 Report Share Posted January 29, 2007 (edited) Hate to tell you this hawk, but my brother just got one of those "instant approvals" on his receipt, less than a day after I told him to walk in and try it. His score is 522 so maybe they will give you a break.Btw, just noticed your sig Tourny: target <grrr> visaVery funny.________Vape info Edited September 9, 2011 by kevin3344 Link to comment Share on other sites More sharing options...
tmac01 Posted January 29, 2007 Report Share Posted January 29, 2007 I was wondering how that works. I was in target my favorite of all favorite stores the other day and I noticed the lady in front of me was told that she was instantly approved for a CC. I was like " how do they do that if they do not check your credit when your checking out ? Well I got my card online but I was curious.... Link to comment Share on other sites More sharing options...
hawkfan Posted January 29, 2007 Author Report Share Posted January 29, 2007 Hate to tell you this hawk, but my brother just got one of those "instant approvals" on his receipt, less than a day after I told him to walk in and try it. His score is 522 so maybe they will give you a break.Btw, just noticed your sig Tourny: target <grrr> visaVery funny.Funny you said that We spend alot at target each month especially for cleaning supllies clothes and whatever else we need. I have been getting those preapproved offer on the top portion of the reciept so that is why I applied to begin with lol, and I dont get approved should be getting their letter as to why Im not approved w a EQ Creditscore of 713. Link to comment Share on other sites More sharing options...
tmac01 Posted January 29, 2007 Report Share Posted January 29, 2007 If they are telling you that you are approved and its just to get you to apply and hit your inquires that is really wrong. There should be a law against that...wait a minute there is...its called FALSE ADVERTISING... Hey I got approved for $300 and I had a 668 FICO score but I swear I had to almost give them an organ as they called me on the phone asking a 1,000 questions and for $300...But I know now that is a basic CL that you start off with regardless of your credit score... Link to comment Share on other sites More sharing options...
nightwind Posted January 29, 2007 Report Share Posted January 29, 2007 Lowes does the same thing.Basically they do a soft inquiry based on your name. As long as the social is the same you are approved. Most of the time it is with a small credit limit. Link to comment Share on other sites More sharing options...
tmac01 Posted January 29, 2007 Report Share Posted January 29, 2007 Uhhh...Lowes just turned me down...You just never know with these companies...their is just no true system.... Link to comment Share on other sites More sharing options...
kevin3344 Posted January 29, 2007 Report Share Posted January 29, 2007 (edited) I think the trick is not to apply and see if you get the instant approval, especially for Target. They seem to be doing this a lot nowadays.________Vaporizer hot box Edited September 9, 2011 by kevin3344 Link to comment Share on other sites More sharing options...
hinky Posted January 29, 2007 Report Share Posted January 29, 2007 Interesting. Didn't know Target was checking this way. I don't think I'll bother with a Target card unless I get a pre-approval. Even though I LOVE Target. Link to comment Share on other sites More sharing options...
hawkfan Posted February 4, 2007 Author Report Share Posted February 4, 2007 Got the letter and it said I was denied because few accounts open on my EQ report. Duh why I am applying for the target card idiots and I just went to target yesterday and had the preapproval thing again on the receipt Link to comment Share on other sites More sharing options...
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