"THE ONE AND ONLY"
Target REDcard® Store Card Review
Written by: yoyo11 on 2008-05-12
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
yoyo11's review: 
Saturday, I received my denial letter in the mail... I was upset as you can imagine. I normally go to Target 2 to 3 times a month... But since I've been on a non spending spree lately I haven't been in the store for 2 months. After looking at my denial letter I've remember what the lady told me over the phone... Giving me hits to go into the store... Also remembering Meya, Wildrage2, Ash, Rockin and others telling me to go into the store... So I picked up and left.
I then took out my debt card... Made a $20 purchase... Looked at the receipt..."no pre approvals".
I then when back to shop... After making all purchases I went back into the cashier line again, looked behind me and asked,..."how do you apply for a card?"... The cashier smiled as I gave her my ID, in which I turned around to make sure no one was looking behind me before I get my big denial... She started to ring me up as she pull the receipt showing that I was approved for $200... I said "get out!". After making my purchase (with cash), I walked towards the door and thought... Hey I should get my 10% discount.
Walking with my $59 receipt, goods and credit card approval to the customer service lane... The lady was happy to apply my purchase to my new "receipt paper card", and gave me my cash back... Added the 10% discount... My purchase was $53.
I'm a happy... I'm officially in the Target Family... WOOSAH
Saturday, I received my denial letter in the mail... I was upset as you can imagine. I normally go to Target 2 to 3 times a month... But since I've been on a non spending spree lately I haven't been in the store for 2 months. After looking at my denial letter I've remember what the lady told me over the phone... Giving me hits to go into the store... Also remembering Meya, Wildrage2, Ash, Rockin and others telling me to go into the store... So I picked up and left.I then took out my debt card... Made a $20 purchase... Looked at the receipt..."no pre approvals".
I then when back to shop... After making all purchases I went back into the cashier line again, looked behind me and asked,..."how do you apply for a card?"... The cashier smiled as I gave her my ID, in which I turned around to make sure no one was looking behind me before I get my big denial... She started to ring me up as she pull the receipt showing that I was approved for $200... I said "get out!". After making my purchase (with cash), I walked towards the door and thought... Hey I should get my 10% discount.
Walking with my $59 receipt, goods and credit card approval to the customer service lane... The lady was happy to apply my purchase to my new "receipt paper card", and gave me my cash back... Added the 10% discount... My purchase was $53.
I'm a happy... I'm officially in the Target Family... WOOSAH
19 Comments
Comment 1 by wildrage2
Congrats! 
on 2008-05-12
Well I get percerverence pays off, huh? I'm so tempted to apply for new credit. I was pre-approved for HSBC and Capital 1, but I promised myself that I'd wait another 4-5 months.
My scores took such a huge hit when I opened up 10 accounts 6 months ago... They are just now rebounding (around 589 or so). I'm hoping that by brining down my utliization even lower, and getting rid of a collection or 2, I can be around 625 by late this fall... Then i'll stop applying for the 'poor credit' cards, and graduate up to the 'fair credit' cards lol.
Congrats again on your approval!
on 2008-05-12 Well I get percerverence pays off, huh? I'm so tempted to apply for new credit. I was pre-approved for HSBC and Capital 1, but I promised myself that I'd wait another 4-5 months. My scores took such a huge hit when I opened up 10 accounts 6 months ago... They are just now rebounding (around 589 or so). I'm hoping that by brining down my utliization even lower, and getting rid of a collection or 2, I can be around 625 by late this fall... Then i'll stop applying for the 'poor credit' cards, and graduate up to the 'fair credit' cards lol.
Congrats again on your approval!
Comment 2 by rockin35
THATS Terrific!!!! on 2008-05-12
I'm glad it worked for you Yoyo!! Im all smiles today and boy did I have a rotten day at work with those heatherns I work with.
So going into the store did help, again congratulations!! You will love the card, I'm sure as you like shopping at Target. What is your apr?
Congratulations to you!! Rockin35!
on 2008-05-12 I'm glad it worked for you Yoyo!! Im all smiles today and boy did I have a rotten day at work with those heatherns I work with. So going into the store did help, again congratulations!! You will love the card, I'm sure as you like shopping at Target. What is your apr?
Congratulations to you!! Rockin35!
Comment 3 by arod
WOW Congrats on 2008-05-12
Well that what call earned credit... Congrats
Good Luck to you,
Alex
on 2008-05-12 Well that what call earned credit... CongratsGood Luck to you,
Alex
Comment 4 by arod
WOW Congrats on 2008-05-12
WOW... Thats What I call Earned Credit,... Congrats
Good Luck to you,
Alex
on 2008-05-12 WOW... Thats What I call Earned Credit,... CongratsGood Luck to you,
Alex
Comment 5 by meya
Wahooo! on 2008-05-13
Way to go girlfriend. See how Target put you through the ringer first? They want us to bow down and get our knees dirty for $200 and then beat us with whips when we ask for a cli. They feel like some might Egyptians or something. I had to whip out with my Moses cain, part the red sea, and destroy them!
on 2008-05-13 Way to go girlfriend. See how Target put you through the ringer first? They want us to bow down and get our knees dirty for $200 and then beat us with whips when we ask for a cli. They feel like some might Egyptians or something. I had to whip out with my Moses cain, part the red sea, and destroy them!
Comment 6 by lindalu
What Was Your Transunion Score? on 2008-05-14
I know they pull transunion... They denied me saying I had too many inquiries... Do you have a lot of inquiries? I am afraid to go in store and apply... When you said you looked behind you and made sure no one was there I laughed... That is so me!!!
on 2008-05-14 I know they pull transunion... They denied me saying I had too many inquiries... Do you have a lot of inquiries? I am afraid to go in store and apply... When you said you looked behind you and made sure no one was there I laughed... That is so me!!!
Comment 7 by yoyo11
LindaLu on 2008-05-15
Yes, they did declined me by mail because of too may hits on report and a collection item... Please go into the store to try... Not on line
on 2008-05-15 Yes, they did declined me by mail because of too may hits on report and a collection item... Please go into the store to try... Not on line
Comment 8 by ness32
Congrats! on 2008-05-15
Congrats and welcome to the Target family!!! I tried 2x's in the store and was decline. Then I was approved on-line so I guess it all depends.
on 2008-05-15 Congrats and welcome to the Target family!!! I tried 2x's in the store and was decline. Then I was approved on-line so I guess it all depends.
Comment 9 by beckettpg8
TARGET Is Easy/fast on 2008-05-16
I applied on the I-Net and got the card 2-3 days later. This is the fastest of all the credit cards I've gotton
on 2008-05-16 I applied on the I-Net and got the card 2-3 days later. This is the fastest of all the credit cards I've gotton
Comment 10 by lindalu
Thanks Yoyo!! on 2008-05-16
I am going to go in the store when it is not busy and apply... Maybe I can just try the customer service counter... Unless you want to come and stand behind me!!! lol!!
wish me luck!!
on 2008-05-16 I am going to go in the store when it is not busy and apply... Maybe I can just try the customer service counter... Unless you want to come and stand behind me!!! lol!! wish me luck!!
Comment 12 by em072205
I Got The Pending Application on 2008-05-18
So I'm guessing I got declined. I've been getting credit lately so I know my scores are taking a hit. I did resumit and finally get an application number but it says that you can only check it once and then no more. Maybe in a few months I will be in the Target family :)
on 2008-05-18 So I'm guessing I got declined. I've been getting credit lately so I know my scores are taking a hit. I did resumit and finally get an application number but it says that you can only check it once and then no more. Maybe in a few months I will be in the Target family :)
Comment 13 by hjm331
RE: Em on 2008-05-18
A lot of people on here that got approved for this card also got the same day message. Don't give up just yet, you might be surprised when that card is dropped off into your mailbox.
Most people who got approved received a CL of $200. They used their cards and made on-time payments and received a CLI in 3 months.
Good Luck
on 2008-05-18 A lot of people on here that got approved for this card also got the same day message. Don't give up just yet, you might be surprised when that card is dropped off into your mailbox.Most people who got approved received a CL of $200. They used their cards and made on-time payments and received a CLI in 3 months.
Good Luck
Comment 14 by em072205
That Would Be Great! on 2008-05-18
That would be great if a little target card dropped in the mail... I would be singing woohoo!!! (I read some people complain about the low limit, I don't mind it I can think of a lot of stuff to buy at Target) hehe, I shop there quite often, but I'm wanting to find good cards to rebuild my credit as I want to buy a house in a year and a half... Looking for year 2010.
on 2008-05-18 That would be great if a little target card dropped in the mail... I would be singing woohoo!!! (I read some people complain about the low limit, I don't mind it I can think of a lot of stuff to buy at Target) hehe, I shop there quite often, but I'm wanting to find good cards to rebuild my credit as I want to buy a house in a year and a half... Looking for year 2010.
Comment 15 by em072205
Application Status on 2008-05-18
When I try to go online and get application status it says invalid application number or whatever the number is... I did apply today do you think it's because I just applied?
on 2008-05-18 When I try to go online and get application status it says invalid application number or whatever the number is... I did apply today do you think it's because I just applied?
Comment 16 by rockin35
To EM on 2008-05-18
Yes if you just applied online today with it being on the weekend, your application has not been decisioned via the automated process. Call them on monday for a manual review. Good Luck!! Rockin35
on 2008-05-18 Yes if you just applied online today with it being on the weekend, your application has not been decisioned via the automated process. Call them on monday for a manual review. Good Luck!! Rockin35
Comment 17 by meya
One More Thing on 2008-05-19
Are you sure that you wrote the right number down? Sometimes we can misread numbers, and I know that I have a bad habbit in mistaking the letter O for a number 0 (zero).
Like Rocking said, call in tommorow and check the status, they have all your information in their system so the number is not a real big issue.
Good luck.
on 2008-05-19 Are you sure that you wrote the right number down? Sometimes we can misread numbers, and I know that I have a bad habbit in mistaking the letter O for a number 0 (zero). Like Rocking said, call in tommorow and check the status, they have all your information in their system so the number is not a real big issue.
Good luck.
Comment 18 by em072205
. on 2008-05-19
I'm sure, I copy and pasted the application id into wordpad. I'll give it until tomorrow and then call. I'm bad, I always hope for the worst, but maybe the best will come out of it.
on 2008-05-19 I'm sure, I copy and pasted the application id into wordpad. I'll give it until tomorrow and then call. I'm bad, I always hope for the worst, but maybe the best will come out of it.
Comment 19 by kiejon9
Target Card on 2008-09-22
Target is full of it they sent me a letter telling me that they have cut my credit line from 4500 to 2000 do to know activity for 1year but I well be calling to get my credit line back to were it was I stoping using card cuz I also have a business acc with them
on 2008-09-22 Target is full of it they sent me a letter telling me that they have cut my credit line from 4500 to 2000 do to know activity for 1year but I well be calling to get my credit line back to were it was I stoping using card cuz I also have a business acc with them
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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.
