Further processing of Target Credit Card after pre-approval?
I received a pre-approval slip from Target, and I applied for the credit card. After submitting my application, the slip said "requires further processing", and that they will contact me within 10 days. I just called the phone number for Credit Services to see if I could check the status of the processing, and all they told me was that I would receive a mailed response.
I was under the impression that if you applied from a pro-approval slip, you were guaranteed either a Target Visa card, or a Target Credit Card, as long as you could prove who you are, and could enter into a valid contract. Why the mystery, then?
2008-02-08T11:54:12Z
The pre-approval slip states, "You'll get an account if you can legally enter into a contract and we can verify your identity when you apply."
All of you are meaning "pre-qualified". That is different than pre-approved.
Anonymous2008-02-11T08:47:55Z
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Both these links will give you the Target help you needs and answer your question. Best wishes!
1st Link is a Target manager answering this persons question and it will give you some insight.
2nd Link is Target Card posts of others who have applied. And there discussions. Pretty interesting.
RE: Further processing of Target Credit Card after pre-approval? I received a pre-approval slip from Target, and I applied for the credit card. After submitting my application, the slip said "requires further processing", and that they will contact me within 10 days. I just called the phone number for Credit Services to see if I could check the...
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Don't let the name "Union Workers Credit Services" fool you; "Although we service members of unions, we are neither affiliated nor sponsored by any union." The card is not a Visa or MasterCard, so you won't be able to consolidate your other cards. The $10,000 credit limit is only good for their website or catalog products. While they do offer a $37 rebate, they make you pay a membership fee of $95. If you were sent a pre-approval letter it should have the union affiliation on it. If you're not part of a union, they probably just gave you a random one. By all accounts, I've heard nothing but negative things from Ripoff Reports and other websites. If it were me, I'd throw it away.
The soft pull shows only your credit score. You have a score that falls into their guidelines. However, when they did the hard inquiry, you have something on your credit report that doesn't fall into their guidelines. It could be collections, judgements, bankruptcy, or even a short credit history (2yrs or less). They will mail you why it wasn't approved