"I Am Confused "
Target REDcard® Store Card Review
Written by: bizz on 2007-10-22
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
bizz's review: 
I have not had any negative credit reported on me since 2001, but I have had my accounts sold and my old old accounts keep reporting me. So I now have 592 score. So I got some really pricey type cards and am working on them. They show paid on time for 3 months so far etc. OK I disputed 1 thing on my credit from 2001 which I have proof the apartments that turned it over to the attorney were wrong, as the damage they claimed I caused I have proof I didn't cause, with the walk through report from before I moved in. So after the dispute on that public record/collections, it said checked and lowered my balance they claim I owe from 2225 to 222. Still they claim I owe and they did lower what I owe but it didn't help my report however. THIS is what confuses me about the TARGET REDCARD. I have been approved for 1500 with Wamu and 300 with capital One and yet still denied with target. Nothing against them BUT I have just under 600 for FICO and there is NOTHING bad since 2001, have never filed BK or anything. I get Visa and Mastercard offers, and yet cant get a Target card. I don't understand it.
I have not had any negative credit reported on me since 2001, but I have had my accounts sold and my old old accounts keep reporting me. So I now have 592 score. So I got some really pricey type cards and am working on them. They show paid on time for 3 months so far etc. OK I disputed 1 thing on my credit from 2001 which I have proof the apartments that turned it over to the attorney were wrong, as the damage they claimed I caused I have proof I didn't cause, with the walk through report from before I moved in. So after the dispute on that public record/collections, it said checked and lowered my balance they claim I owe from 2225 to 222. Still they claim I owe and they did lower what I owe but it didn't help my report however. THIS is what confuses me about the TARGET REDCARD. I have been approved for 1500 with Wamu and 300 with capital One and yet still denied with target. Nothing against them BUT I have just under 600 for FICO and there is NOTHING bad since 2001, have never filed BK or anything. I get Visa and Mastercard offers, and yet cant get a Target card. I don't understand it.
1 Comment
Comment 1 by frances
Pick Picky Company 
on 2007-10-26
Target Bank is very selective for the card they offer. Let's see, a high APR, skimpy on the rewards, but a great credit record of around 670+ is what I see. They are picky in my book. Better to go with a Visa/MC that offers the same rewards with a higher credit limit that you are likely to be approved for.
on 2007-10-26 Target Bank is very selective for the card they offer. Let's see, a high APR, skimpy on the rewards, but a great credit record of around 670+ is what I see. They are picky in my book. Better to go with a Visa/MC that offers the same rewards with a higher credit limit that you are likely to be approved for.
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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.
