It's not hard to get approved for this store card, since it requires fair credit or better. But make sure you qualify for it. An application will result in a hard pull on your credit report, lowering your credit score for a short period of time. If you don’t know where you stand, you can check your score for free, right here on WalletHub.
The Target Credit Card credit score requirement is “fair”. So, you need a 640+ credit score to get it. 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 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.
Here are the Target Credit Card 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 Credit Card online, by phone at (800) 659-2396, 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 at Target and Target.com . You’ll also get 30 extra days for returns and free two-day shipping on Target.com orders. There’s a $0 annual fee.
You can apply for the Target Credit Card online or in any Target store, at the customer service counter. You will need to have identification on you; Social Security Number, driver’s license, state ID or military ID.
You can locate a Target in your proximity here. If you qualify, you may be instantly approved. Otherwise, if further verification is needed, you should receive a decision in the mail within 7-10 business days. If you’re approved, your card will be mailed in another 7-10 business days.… read full answer
Yes, the Target Credit Card does a hard pull on your credit report upon application. This might negatively impact your credit score for a short period of time.
Unfortunately, pre-qualifying with only a soft pull isn’t an option. And since you’ll need to have at least fair credit to be considered eligible for the Red Card, make sure you have … read full answerthe credit needed to avoid an unnecessary hard pull on your credit.
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