"Approved After Being Denied Two Years Back."
Target REDcard® Store Card Review
Written by: injustifiiable on 2014-06-27
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
injustifiiable's review: 
Target denied me two years back for having lack of revolving credit history, so I decided to try again on a whim.
EQ has one baddie (a collection), several good TL's with AAoA over two years, 21% UTIL, 6 inquiries (most from 2012). EQ08 score 655.
Was instantly approved at the register, $400 limit. Was able to charge to the card and get my 5% off (though that barely covers the sales tax here) and since the purchase was only $12 I went over to Guest Services and paid it off right then.
Plan on using this often since there's a Target close to my house. Glad to add to my store card arsenal.
Target denied me two years back for having lack of revolving credit history, so I decided to try again on a whim.EQ has one baddie (a collection), several good TL's with AAoA over two years, 21% UTIL, 6 inquiries (most from 2012). EQ08 score 655.
Was instantly approved at the register, $400 limit. Was able to charge to the card and get my 5% off (though that barely covers the sales tax here) and since the purchase was only $12 I went over to Guest Services and paid it off right then.
Plan on using this often since there's a Target close to my house. Glad to add to my store card arsenal.
1 Comment
Comment 1 by wanderer
Re: Approved After Being Denied Two Years Back. 
on 2014-06-27
Congrats on your score and Target success! Your credit is improving.
on 2014-06-27 Congrats on your score and Target success! Your credit is improving.
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Disclaimer: This content is not provided by Target National Bank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Target National Bank. Review content is powered by Finance Globe.
