Maria Adams, Credit Cards Moderator
@m_adams
The Target Credit Card requires fair credit or better (640+ credit score) for good approval odds. When you apply for a Target Credit Card, the issuer will also consider your income, employment status, debts, housing information, and more.
Here are the Target Credit Card requirements for approval:
- Minimum credit score: 640+ (at least fair)
- 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 Social Security Number
- Bank account requirement: Must have a checking account at a bank in the U.S.
You can apply for the Target Credit Card or in person at a local online or in person at a local Target store. You may be approved instantly if your doesn’t require application additional review. Otherwise, it can take 7-10 business days to receive a decision.
If you get approved for a Target Credit Card, you will also be able to make purchases right away. You will receive a temporary credit card to use until your actual card arrives.
Here’s what you should know about the Target Credit Card:
The Target Credit Card gives you a 5% discount at Target and Target.com. You’ll also get 30 extra days for returns and free two-day shipping on Target.com orders. The card also offers a $0 annual fee.
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CallMe Daddy, Member
@PapiChulo
I applied for the Target card online and received an automated reply saying I would receive a reply in the mail within 7-10 business days. The next day I called customer service, who transferred me to the application department. She verified all the information on my application with me and processed it on the spot. She approved me immediately for a $1500 limit and when I asked, she told me they used my EQ report. My EQ: 776 TU:666 EX:690 FICO8: 662 Vantage3.0: 709
bearsfan1430, Member
@bearsfan1430
640 or higher is untrue, I got approved several years back and was hovering in the 600-615 range.
People also ask
Does the Target Credit Card do a hard pull?
Yes, the Target Credit Card does a hard pull on your credit report when you submit an application. The purpose of the hard inquiry is to evaluate your creditworthiness, based on how you've used credit in the past, and this process will temporarily lower your credit score, usually by 10 points or less for up to 12 months.
Unfortunately, pre-qualifying with only a soft pull isn’t an option. And since you’ll need to have...
read full answer by Sebi Mitchell, Credit Cards ModeratorDoes the Target Credit Card report to all bureaus?
Yes, the Target Credit Card reports to the credit bureaus every month, typically within days after the cardholder’s billing period closes. TD Bank reports your card’s credit limit, account balance, and payment history to all three of the major credit bureaus: Experian, TransUnion, and Equifax.
Once the Target Credit Card reports your account information to a credit bureau, it may take a few days from when the bureau receives the info before the updates appear on your credit...
read full answer by Evelyn Boros, Credit Cards ModeratorDid we answer your question?
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