Denied for Target Redcard, stated insufficient recent credit history?

Credit and mortgage advice Forums Consumer Credit Credit Cards Denied for Target Redcard, stated insufficient recent credit history?

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    • #225288
      Anonymous
      Inactive

      I applied for the Target Redcard at the target store 2 weeks ago, and they are not able to approve me instantly.

      So i got home and called target and was told i was denied.

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      Today i got the letter from Target and it told me the main reason for the decision

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      Inactive or insufficient recent credit history.

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      The thing is i have just repaired most of my credit, i have FICO score of about 620.

      I only have one secured credit card i’ve been using for 5 months and using under 10%, been paying it on time every month.

      I also have a deferred student installment loan 5 years ago, it’s paid off all at once a few months after i applied for it.

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      How long will it take until i am considered to have sufficient credit history? Can it be done with just 1 credit card since i have a hard time getting an unsecured one yet?



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