The Target Credit Card does not offer an extended warranty benefit. However, you will benefit from the product’s manufacturer’s warranty and any eligible items purchased with a Target Credit Card have an additional 30 days for returns and exchanges beyond their normal return period. Excluded items include Target Optical purchases, non-returnable items and contract mobile phones.
Target does offer its own protection plans for purchases like portable electronics, TVs, mobile devices and more. But unlike extended warranty benefits that come with certain credit cards, these plans are not free of charge.
The Target Credit Card’s grace period is 25 days long.
If you pay your balance in full each month during this period, you won’t be charged with interest for your purchases.
But if you don't pay your balance in full once, or miss your due date, you'll lose your grace period. And to get it back, you’ll have to pay your balance in full for two consecutive months.… read full answer
You may get a Target Credit Card credit limit increase if the issuer decides to review your account and they grant you an increase automatically. At the moment, you cannot request a Target Credit Card credit limit increase directly, as the issuer does not offer this option to Target Credit Card members.
To be eligible for a credit limit increase, your account must be in good standing for at least 12 months and your income information must be up to date. To update your income information, call … read full answer(800) 424-6888 and follow the prompts to get connected to a customer service representative.
Here’s how to increase your chances of receiving a Target Credit Card credit limit increase:
Make on time payments and pay down your balance in full, if possible.
Keep in mind that even if your account is in good standing and your income information is up to date, getting a Target Credit Card credit limit increase is not guaranteed. But in case the issuer does increase your credit limit, this inquiry will result in soft pull and won't affect your credit score as a result.
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