The Target credit card does not guarantee instant approval, unfortunately.
A decision on a pending application can take up to 7-10 business days, which isn't great, but it's important to know that pending applications are rare and those happen when they need to verify your information further.
The Target Credit Card credit score requirement is 640 or better. That means you’ll need a “fair” credit score. The Target Credit Card is a store card, and just about all store credit cards require fair credit. But because it’s a store credit card, it can only be used to make Target purchases, in-store and online.… read full answer
When you apply for a Target credit card, your credit score is one of the major factors that TD Bank (the card’s issuer) will consider. But it’s not the only factor. Your income, employment status, debts and housing information matter, too. But generally speaking, the higher above 640 your score is, the better your odds of approval are.
Target Credit Card: Credit Score Needed & Other Requirements
Minimum credit score: 640 (fair credit)
Age requirement: 18 years old
Income requirement: Enough to afford monthly payments (wages, investments, etc.)
Citizenship: Must be a U.S. citizen with a valid SSN
Bank account requirement: Must have a checking account at a bank in the U.S.
You can apply for the Target REDcard online, by mail, or in person at a local Target store. When you apply online, you may be approved instantly, or your application may require additional review. A decision on a pending application can take 7-10 business days.
If approved, you will receive a minimum starting credit limit of $250. You will also be able to make purchases the same day you’re approved. You get temporary card information to use until your actual card arrives.
The Target credit card gives you a 5% discount on Target and Target.com purchases. You’ll also get 30 extra days for returns and free two-day shipping on Target.com orders. There’s no annual fee.
You can check your Chase credit card application status online or by phone: (888) 338-2586. If you check online, you will need to sign into your Chase.com account (or create one if you didn’t apply online). If you call, you’ll have to enter your full Social Security number. When you submit a Chase credit card application, it’s possible you’ll be approved or denied instantly. Otherwise, it could take up to 30 days to get a decision. If you don’t manually check your status, you may receive your decision by email or mail.… read full answer
Those procedures are the same no matter which Chase credit card you apply for, whether it’s a travel rewards card such as Chase Sapphire Preferred, a cash back card such as Freedom Unlimited or a 0% balance transfer card such as Slate. And checking your status with any Chase card is as simple as signing in and making a few clicks.
How to check your Chase credit card application status online:
Log in to your Chase Online account with your username and password.
Find “Customer Center” at the top and click on it.
Locate the section that says “Open a New Account” on the right side of the page.
Click on “Check my application status.”
View your application(s). You’ll be able to see whether they’re pending, approved, or denied.
If you don’t have an account yet, just click the “New To Chase Online?” button below the login area. You’ll be able to make an account by entering your application number and SSN.
To check your Chase credit card application status by phone, call (888) 338-2586 and enter your full Social Security number when prompted. Chase’s automated application status line is accessible 24/7.
You might not like what you learn when you check your credit card application status. But it’s important to remember that if you’re denied, there’s still hope. You can ask Chase to reconsider your application by calling (888) 270-2127. One of Chase’s credit analysts will talk to you and take another look over your application materials. There’s no guarantee that anything will change, but it’s possible. To start off, you’ll just need to give your application ID or SSN to the analyst. Best of luck!
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