Chip Lupo, Credit Card Writer
@CLoop
You can cancel a Target Credit Card application directly by calling TD Bank’s customer service line at 1-800-424-6888. You will need to act quickly to ensure your cancellation request is accepted before TD Bank approves or rejects your application.
Credit card issuers are required to respond to applications within 30 days, but TD Bank often processes online applications immediately. Unfortunately, this doesn’t leave you with a lot of time to cancel a Target Credit Card application after you submit it.
How to Cancel a Target Credit Card Application
- Contact customer service. You should call 1-800-424-6888 immediately to speak to a customer service representative. Calling to cancel your application is your best option because of how quickly your application may be approved.
- Explain the situation. You should tell the TD Bank's customer service that you are calling to cancel your recent application. Provide as much information as you can, such as your name, your Social Security number and the card you were applying for, to help them locate your application.
- TD Bank will cancel the application for you if it hasn’t already been processed. If the application has already been processed before you can call, your credit report will have a new hard inquiry regardless of whether the application was ultimately approved. The hard inquiry will have a negative effect on your credit score, but this is only temporary.
If your credit card application is already approved, you could still cancel the credit card account, but it might be worth keeping open to help you build your credit.
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People also ask
How do I cancel my Target Card?
To cancel a Target Credit Card, call customer service at 1 (800) 659-2396 and ask a customer service rep to cancel your card account. At the moment, there is no way to cancel your account online.
Be aware that if there’s a balance remaining on the canceled account, you are still required to make at least the minimum payment every month until the balance is paid in full. You will also need to update the payment method for...
read full answer by Bogdan Roberts, Credit Cards ModeratorHow do I cancel a credit card application?
You can cancel a credit card application by contacting the credit card issuer’s customer service department. The sooner you contact them, the easier it will be to cancel the application. If you applied online, decisions are often made instantly, so your window to cancel may be just a few minutes. Mailed applications may offer a longer window – typically 7 to 10 business days.
If you are unable to cancel a credit card application...
read full answer by WalletHub, Financial CompanyCan you cancel a credit card before activating it?
Yes, you can cancel a credit card before activation. The activation process has nothing to do with your account being open, so you can simply call the issuer's customer support or the number on the back of your credit card.
With that said, unless the annual fee is troublesome, you're better off keeping the card open. Getting approved for a new credit card and canceling it right away will harm your credit score.
read full answer by WalletHub, Financial CompanyDid we answer your question?
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