tonypilot7 Posted January 29, 2008 Report Share Posted January 29, 2008 Hmm, this cant be good... Just applied for a Target red card. (because I have zero active trade lines and I heard they were easy) It said that it required further processing and to expect something in the mail in a week or two:cry: Has this been your experience? did anyone get approved online?Ok just found my answer... had to dig a bit. I have an FA on my report which means they have to ID check me first. Link to comment Share on other sites More sharing options...
merkurfan Posted January 29, 2008 Report Share Posted January 29, 2008 Call them, the number is on the target site. They will confirm ID and tell you your CL.My guess is 200 bucks, that seems to be what they start EVERYONE off with Link to comment Share on other sites More sharing options...
Hellard Posted January 29, 2008 Report Share Posted January 29, 2008 i just got the same message - i dont have a FA..should i call and ask why its pending? Link to comment Share on other sites More sharing options...
Donna47129 Posted January 29, 2008 Report Share Posted January 29, 2008 Yup, some people have called immediately thereafter that message and gotten the okay.Others get an okay in the mail, so you still have a shot...good luck!! Link to comment Share on other sites More sharing options...
Hellard Posted January 29, 2008 Report Share Posted January 29, 2008 just called DENIED- if they pulled EQ that will explain it- i shop at walmart anyhow- target is 35 miles away..walmart is 2 miles.. Link to comment Share on other sites More sharing options...
tonypilot7 Posted January 29, 2008 Author Report Share Posted January 29, 2008 I just called, they have no record of my application. The lady I spoke with said that if there was a fraud alert, I had to wait until I recieved notice in the mail, then I could call back to verify. Oh well:rolleyes: Link to comment Share on other sites More sharing options...
Hellard Posted January 29, 2008 Report Share Posted January 29, 2008 at first thy said they had no record of me- i told them i just applied 10 minutes ago then she transferred me to some other dept and that lady had me in system and said sorry no card for you!! well those werent her exact words... Link to comment Share on other sites More sharing options...
Hellard Posted January 29, 2008 Report Share Posted January 29, 2008 Call them, the number is on the target site. They will confirm ID and tell you your CL.My guess is 200 bucks, that seems to be what they start EVERYONE off with EVERYONE but me:-( Link to comment Share on other sites More sharing options...
aadam101 Posted January 29, 2008 Report Share Posted January 29, 2008 I got the message with a FA. Then I got a denial. I wrote a recon letter and they sent me a card. They did not verify ID or ask LEXIS questions. Link to comment Share on other sites More sharing options...
CleverCynic Posted January 29, 2008 Report Share Posted January 29, 2008 EVERYONE but me:-(Don't despair... a lot of people got their cards on the 2nd or 3rd attempt. They want to see at least one good open TL and no new derogs for the last year or so. An EQ Fico above 550 is helpful with those caveats.My wife was denied, then I added her as AU on my jcpenney, and bamm she got approved... FICO 554. The absence of a TL is what is killing you here. Link to comment Share on other sites More sharing options...
pointman Posted January 30, 2008 Report Share Posted January 30, 2008 "Then I got a denial. I wrote a recon letter and they sent me a card.""Don't despair... a lot of people got their cards on the 2nd or 3rd attempt."Maybe you guys called too soon after the application. If they said they had no record, they may well have had NO RECORD. The online application filters and general networking may not make your app available for a CSR to see right away. Like they said above, call again after a few days or write a recon letter. Good Luck! Link to comment Share on other sites More sharing options...
JustaTexan Posted January 30, 2008 Report Share Posted January 30, 2008 Don't despair... a lot of people got their cards on the 2nd or 3rd attempt. Very true! It took me a billion tries to get a Target card! You'll get it! Link to comment Share on other sites More sharing options...
aadam101 Posted January 30, 2008 Report Share Posted January 30, 2008 Don't despair... a lot of people got their cards on the 2nd or 3rd attempt. They want to see at least one good open TL and no new derogs for the last year or so. An EQ Fico above 550 is helpful with those caveats.My wife was denied, then I added her as AU on my jcpenney, and bamm she got approved... FICO 554. The absence of a TL is what is killing you here.I only had an open CJ account. They pulled TU and that was my only TL. I had no baddies.....just lonely CJ! lol Link to comment Share on other sites More sharing options...
Hellard Posted January 31, 2008 Report Share Posted January 31, 2008 Do they look for only active-open TL's..cause i only have couple reporting BUT i have alot of closed good TL's. Link to comment Share on other sites More sharing options...
tonypilot7 Posted January 31, 2008 Author Report Share Posted January 31, 2008 Well, I noticed an inq from Target on my TC report (no alert was issued?!?!) so I called them again... DENIED!! The lady I spoke with said that she couldn't give me a reason for denial b/c she didnt have access to that information but she did tell me that they pulled EQ which is my best report at a 622 FICO/ 611 FAKO... I guess I am going to have to write a letter of reconsideration. I could really use an active trade line or two.. or five. Link to comment Share on other sites More sharing options...
Hellard Posted January 31, 2008 Report Share Posted January 31, 2008 EQ is my worse so that could be my problem. my husband said we dont need anymore cards so i wont beg for target - never shop there anyhow. Link to comment Share on other sites More sharing options...
tonypilot7 Posted February 1, 2008 Author Report Share Posted February 1, 2008 I just got an alert (I'm lovin TC) Target, AKA Retailers National Bank, pulled My EQ report again... Whats up with that? 2 Hard pulls in a week. not cool. Maybe they are reconsidering the denial?? Link to comment Share on other sites More sharing options...
Magdalen77 Posted February 1, 2008 Report Share Posted February 1, 2008 EQ is my worse so that could be my problem. my husband said we dont need anymore cards so i wont beg for target - never shop there anyhow.They only gave me a crappy $200 credit limit. It's going to be hard for me to get an increase, because I rarely go there. Link to comment Share on other sites More sharing options...
rmiller0410 Posted February 1, 2008 Report Share Posted February 1, 2008 I have been denied by them three times but they pull TU here. I did get the debit card though. I am wondering if they will ever convert this to a credit card. Link to comment Share on other sites More sharing options...
stefdr Posted February 2, 2008 Report Share Posted February 2, 2008 I got the Target RedCard just to get a positive store TL. I don't shop there all that often either. Looks like the same items as Walmart, just costs a little more. GF wanted me to get a card from Old Navy, but not being gay, I don't wear clothes from there. Link to comment Share on other sites More sharing options...
merkurfan Posted February 2, 2008 Report Share Posted February 2, 2008 woooooo waita second!My departing (the house) DF drags me to old navy all the time! My closet is all old navy clearance (hey, a buck or two for jeans? I'm in!)Did she turn me gay? could explain why shes leaving....My second target statement just cut, 150 buck ballance that I am going to pif with my refund... should I leave something for my third statement? This seems to be the magic time to get the 200 to 500 bump. Link to comment Share on other sites More sharing options...
whocares Posted February 2, 2008 Report Share Posted February 2, 2008 They only gave me a crappy $200 credit limit. It's going to be hard for me to get an increase, because I rarely go there.I use mine online...works the same as long as you have some activitity... Link to comment Share on other sites More sharing options...
pointman Posted February 3, 2008 Report Share Posted February 3, 2008 Merk - My CLI with Target came the week before my 4th statement; no soft pull, no message, no fanfare - I just saw the $500 CL when I signed on to my acct.I use mine online...works the same as long as you have some activitity...Who - How are their S&H charges? Reasonable at all? Link to comment Share on other sites More sharing options...
Magdalen77 Posted February 3, 2008 Report Share Posted February 3, 2008 I use mine online...works the same as long as you have some activitity...What do you buy on line? Hmm, come to think of it I could use some socks. Link to comment Share on other sites More sharing options...
stefdr Posted February 3, 2008 Report Share Posted February 3, 2008 woooooo waita second!My departing (the house) DF drags me to old navy all the time! My closet is all old navy clearance (hey, a buck or two for jeans? I'm in!)Did she turn me gay? could explain why shes leaving....My second target statement just cut, 150 buck ballance that I am going to pif with my refund... should I leave something for my third statement? This seems to be the magic time to get the 200 to 500 bump.My GF shops there, and tried to buy clothes for me there. I asked her, have you ever seen me in clothes that look anything like that? She doesn't shop for me anymore. Ladies, please don't buy clothes for your BF/husband. Chances are you have different taste in clothes, and he can't stand what you got him in the first place. Link to comment Share on other sites More sharing options...
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