Chip Lupo, Credit Card Writer
@CLoop
Your Target Credit Card application may have been denied for various reasons, such as a low credit score, not enough disposable income, or too much debt. You should receive a letter from TD Bank explaining the exact reason for the denial.
If you feel your application deserves a second look, you can call Target Credit Card customer service at 1-800-424-6888 for further clarification.
Possible Reasons Your Target Credit Card Application Was Denied
- Credit score is too low
- Not enough credit history
- Income is too low or unstable
- High debt relative to your income
- Too many recent credit inquiries
- Late payments on your credit report
- Using too much available credit
- Errors on your credit report
- Unresolved bankruptcy on your credit report
- Errors on your application
- Forgotten credit freeze, credit lock, or fraud alert on your credit reports
If your credit score is less than fair, then your best bet is to apply for a secured credit card. Secured cards approve people with low credit scores because they require a refundable security deposit to open the account. The deposit amount is your credit line in most cases, so there’s far less risk to the card issuer. You can check out our editors’ latest picks for the best secured credit cards on the market to weigh your options.
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People also ask
How do I check my Target Credit Card application status?
You can check your Target Credit Card application status by calling 1 (800) 424-6888. When you call, you’ll need to provide the required information so that TD Bank can match you to your application. TD Bank does not allow you to check your application status online
How to Check Your Target Credit Card Application Status
- Call 1 (800) 424-6888.
- Follow the automated prompts that lead to an application status check or connect with a representative and tell them you’d...
How can I cancel a Target Credit Card application?
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...
read full answer by Chip Lupo, Credit Card WriterWhat should I do if my credit card application is declined?
If your credit card application is declined and you think it did not accurately represent your current financial situation, the first thing you should do is ask for your application to be reconsidered. You should ideally wait at least 6 months before applying for another card, but if you can’t wait, you should apply for a card that’s easier to qualify for.
What to Do If Your Credit Card Application Is Declined
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