I was denied this card with 689 fico with both transunion and equifax and a 717 fico with experian. I only applied because im trying to build my credit and with credit karmas rating it seemed like a safe bet. Now my scores been dinged 7 points and a hard inquiry with no card issued will be on there for two years. Thanks for nothing Credit Karma.

Credit karma says very good odds for this card but got a review in 7-10 days

I applied for this card in a target store on December 23, 2019 and was approved. They gave me a receipt and said that it was going to be my temporary card and if I wanted to use it, I can only use it in store. The very next day a charge on my account for $217 appeared on my account. The charge came from Target.com and I was furious because there was no way that was me. I called them on January 3, 2020 and explained the situation, but they told me that first they need to review my account for “fraudulent” activity. Target had locked my account so there was no way I could verify I was the owner unless I sent them personal information over fax. After 2 weeks and many faxes later I had the charge cleared. Closed the account immediately after

I have a credit scores from TU of 740 & Ex 739. I have been a card holder for 18 months, use the card frequently, and still have the original credit limit of $700. I have cards with $5,000-$10,000 limits, yet no increase. I have contacted customer service several times & I’m always told the same “we increase limits monthly when we review your account”. Explained I refuse to go over 15% of my credit on any card, and would spend more & use my card more often, yet they don’t seem to want to reward good customers. I like the 5% discount but would truly like a credit increase. Don’t understand with scores this high how you get an increase?

The perks that come with this card are good such as 5% off and shipping options. But their customer service is really poor. One time they could not process my payment and did not notify me. I noticed it few days later when I was trying to make a purchase. Apparently, they deactivated my card, charged interest and late fees without notification. As soon as I called them, the customer care personnel on the other side started acting like a debt collector; made me pay the entire balance, not the due, with a bad manner. Worst credit card experience ever. You can have the card if you want the perks, but hope that you don't need to contact customer service.

Started out with 300 limit. For months later, target automatically increased it to 800. I always paid it off completely. 4 months later tried new tactic and let statement cut with $300 balance. Next morning woke up to a $2000 limit.

Thank you for taking a gamble on me when other didn't you will not regret it.