Target Credit Card

I was really excited about the Target Red Card when I first signed up. I liked the idea of getting a high value coupon and 5% back on my purchases. When I first signed up at the desk, I used a check from a joint account with my mom that I didn't realize she had closed. Although the account was closed, they apparently didn't have any way to check that right away and went ahead and let me make purchases. I made 4 purchases right away, needing 4 receipts for different reasons. I soon got a bill in the mail with penalty fees for each of the 4 purchases, doubling the amount I had spent in the store. They would only waive the fees one transaction, even though all purchases were made on the same day immediately after signing up for the card. Up until now, I have been a frequent shopper at Target but I plan on spending my money elsewhere.

I had target credit card since for 5 year. My available limit went from $500 to $9k. I had payment returned because their website defaulted to the wrong bank account on my profile. They did not want to take responsibility for it and would not credit me $30 payment return fee that I was charged. Any company I know offers courtesy fee removal at least once a year. Target will not do it even once in 5 years! I will be looking for more friendly credit card now.

I’ve had my card since 2015 with a $300 cL but with consistent use I’m at $2600.00 now.. As Walmart lowered my limit when I got into a financial jam in 2017, I paid all my cards off in 2018 and noticed Target was the only card that didn’t lower my CL or give me any trouble at all! I grocery shop with it and buy electronics as I need them... Great card to have for household needs!

They neglected to send a statement in Nov and Dec 2018, I finally figured something was wrong when the card was declined. I immediately paid the amount in full, but not before they reported the account delinquent and took 80 points off my credit score. Apparently, they changed their system in Sep 2018 and this is a common complain on other forums.

DO **NOT** Get the TARGET RedCard! Target "National Bank" is a cancer on the Target brand name and needs to be abolished. It's much more harsh, impersonal, inflexible, and conservative than any of the huge national bank conglomerates. They don't care about their customers and are all about making a buck off your back. (1) Target "pushes" this credit card through it's employees at point-of-sale and they resent being harassessed for not "selling" enough cards. Check the online blogs including at 'ihatetarget.com'. (2) Customers are being pushed into applying for this card at point-of-sale and tempted with immediate 'savings' on their purchase. Standing at a cash register with people lined up behind you is not the time to be deciding if you want to apply for a credit card and the implications of that!! (3) I applied at the register for my 5% savings but the application would not allow me to list my (correct) PO Box since I travel for business and don't want my mail sitting curbside for days. I had to list my street address (which only gets junk mail.) My first mistake, I admit. I should not even have applied but they put me on the spot. (4) My bill got mixed in with other mail and I missed making my payment. Yes, my mistake, but an honest mistake. As soon as I became aware of it, I paid the amount in full, not just the minimum due. (5) Due to the honest misunderstanding, I asked to have late charges and/or interest credited to my account as a one-time courtesy, since I don't make a habit of being an irresponsible borrower. They refused. They reported me 30-days late on my payment to credit bureau. (6) I used the card more over a period of a couple of years to show I was responsible. (7) After a few years, I asked them to give me a good faith removal of that 30-day late payment. They refused. I asked again after several months, by elevating to a higher level (VP). They refused. *Note: Statistics show the majority of customers who ask for a reversal of late charges, interest, or dropping of late payment reports succeed, especially on the first offense. Most stores know people are human, they sometimes make mistakes, and they shouldn't be beat over the head for a late payment for the SEVEN YEARS it takes to fall off their credit reports. Not Target. They will take every opportunity to make every penny they can off every customer from interest and fees to make up for that 5% they pay out. Not good for business or for customer relations, but they don't care about you. It's all about the almighty dollar with them. (8) I proceeded to boycott Target fpr several years. They threatened to close my card from disuse and finally closed it. I'm coming up on the end of my seven-year late payment sentence. It really doesn't affect my credit much at this point, but it annoys me that they continue to hold it over me. They lost a long-time customer for life over their foolish "REDCARD" program.

They accepted my online application for Target credit card. After waiting nearly 3 weeks to recieve credit card In mail and register card online Suprise!, I can't use card or register it. After calling customer support, they said they needed more verification and I would have to fax them the front and back of my ID and social security card, plus utility or bank statement. After a long hassle they wouldn't accept my bank statement. Customer support is horrible and useless. Stay far away from Target credit card!

They do not care about the customers and are unwilling to work with you. I had a situation that I would have liked for someone to at least show concern and look at the details. They did not and unfortunately, I had decided to close my account.

Have had no problems, they upped my limit from $2500 to $9000, who spends 9 grand at Target? My top balance was probably only $50. xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

Credit Line Increases and MasterCard Conversion Target does NOT issue a MasterCard as an initial credit card. I've been mining my REDcard in hopes of having it converted to a MasterCard. I use it every week for simple needed purchases; groceries, toiletries, household items, etc., usually $10 - $30. I make purchases in-store, online for store pick-up, and online for home delivery (for moderate purchases that qualify for FREE shipping). I payoff my transactions online or in-store as soon as they post. Thirteen months fresh out of a BK7 I applied for a REDcard and was approved with an $800 credit line. At four months I received a credit line increase (CLI) to $1,400, at nine months a CLI to $2,700, and at 11 months a CLI to $9,000! One week after my 11 month CLI and statement cycle I received the letter I was hoping for. Target is converting my store REDcard to a MasterCard! From day one for 11 months I've been grooming this account in hopes of conversion, it will convert at 12 months of billing. In addition to the already instant savings of 5% on every purchase, the REDcard MasterCard is now offering 2% Rewards on gas, dining, and travel purchases as well as 1% on everything else. Rewards are issued annually in the form of a Target store gift card. FICO scores at conversion avg. 670, income $94K

OK so each month I pay my balance due in full, but then at the end of the billing cycle they charge interest on the amount you totaled that cycle, regardless of if you paid it off or not. So I have been charged a fee and taken a hit to my credit score because after paying for the TOTAL AMOUNT due, I get a $1 interest fee, and they don't tell you that, so you unknowingly get a late payment fine on your little dollar balance and now you owe $25. It's happened to me twice now. I'm not sure how they come up with the amount but I wish I could make one payment and trust that I won't get hidden charges. I'm really over it.

Up until now, I'd probably have given this card 4 stars. It does provide good discounts at Target. However, after being a longtime loyal customer, I had a payment issue - my bank account had to be closed and a return payment fee was assessed. After 2 hours of being transferred around, on hold and given varying information, I closed the account out of frustration. Other credit card companies are more accommodating, so I'm done with this one. They don't seem to care about keeping customers.

After having my red card I just made 1purchase.next month when I tried to make online payment for credit card balance,may be there was a mistake,it didn’t work,after 1month I got call from their customer service that they didn’t receive any payment,right there I made my payment over phone.next month I close my target account because of this mistake,as having too many credit card is a hassle and o really don’t need it.after 2months of closing my account they r sending me that I have 100+ due payment with delayed fee.then when I call in their customer service,my account is close already and I didn’t make any other transactions except the first one,for which I already paid total amount over phone.the person said when u made it first payment there was 9$ due,for that 9$ for next 3month with the delayed payment your balance is 103$.What the fuck???? I paid total balance over phone and my account is close.now u r telling me that.when I close my account why didn’t you mention it?because I didn’t close my account by myself,I made it with your account manager.then they took out that money from my account when I authorize them.This is totally a injustice for the customer.is it a game?you should cooperate ur customers not just find a way to grab their money......

Online management is terrible and did not update auto pay and was charged with 90% of the credit limit removed. I payed off the balance immediately and called asked to have the fee removed and credit restored since I have been a customer for 3 years with no issues ever. They refused and did not care at all to keep my business.... Don't let the 5% trick you, their stuff is already marked up.

I lost my job in February 2010 and fell behind in my bills. It took me to July 2011 to find a new job and with a terribly credit score they approved me in 2012 with a $300 limit. It took years before they increased my limit but it was also a difficult time for the banks. In June 2017, they sent me a letter in the mail saying that I would be moved to the MasterCard in August if my account remained in good standing. I really don't care, because I'm an Amex guy now (can't get in as much trouble with a charge card). Still for someone getting back on their feet, this was a good place to start.

Penalized for paying early!! My due date is the first of every month, so last month I paid it a week early on the 24th. I called and checked my balance to be notified, June payment was "missed" and a payment of $65 was due in July. I spoke to customer service only to be informed that any payment made before the due date, goes as a payment for the previous month's statement and they weren't able to apply it to June.

Penalized for paying early!! My due date is the first of every month, so last month I paid it a week early on the 24th. I called and checked my balance to be notified, June payment was "missed" and a payment of $65 was due in July. I spoke to customer service only to be informed that any payment made before the due date, goes as a payment for the previous month's statement and they weren't able to apply it to June.

5% at the register is hard to beat, it really is. However, please keep in mind how hard you will be working for that 5%, and how inconsistently you'll be receiving it. I have had numerous issues with the card due to various technicalities on my account. It has taken me an average of 5 phone calls per issue to their customer service account in order to resolve anything. Yes, that's the AVERAGE number of times I've had to call. You will definitely be on hold, the first person will definitely not be able to help you, if they can even access your account, and there's somewhere between a 25% and 45% chance that the call will end abruptly when their servicer hangs up on you. Specifically, they have an extraordinarily difficult time receiving direct payments from my bank, which is a major international bank, not some small obscure credit union no one has ever heard of, which has resulted in payments not posting and me being charged interest and fees even though my initial attempts at payment have been well before the payment deadlines. I know this because they opened my account at a pathetically small credit limit, so I have to pay it off multiple times a month in order to keep the card operating. The worst part about that is when I call them to request a change to the limit, they direct me back to website where there's a one-box submit form where you update your annual income. As far as I know, I might as well be writing my annual income down on a piece of paper and throwing that paper directly into the garbage rather than wasting my increasingly limited amount of hope that some human somewhere is actually going to receive the request. So, I'm going back to paper statements, paper checks, and the acceptance that the 5% at the register discount will work probably no more than half the time I'm there. So, go ahead and get the card, just be sure to have your back-up ready, because you can bet they won't bother contacting you if there are any issues such that your card isn't going to work.

I just applied for the target red card and I just love it I was approved for 300 dollars 650 EQ score so far very happy

RedCard has security hole in the approval procees?- Here is my case, someone apply for a RedCard under my brother name but using my address. My brother lives in another city. The card sent to my address. I asked my brother if he applied for the card. said no he did not apply for it. He did not have a chance to call the company since he is not around. A few weeks later I got a monthly statement from this REDcard and the balance is $976.xx (the credit line is $1000). My question is how this person can use the card while its not activated?

I'll pre face this with that I completely love Target as a company but the company that services the Red Card is crap. I bank with an online company called Simple and they switched account numbers and I didn't realize I didn't update my Target one until I went to make the payment for this month. Needless to say I was surprised by a return check fee and called them to see if they could help me out in this situation. They refused and were incredibly rude about it. I've worked for multiple credit card companies (Citi for a long time) and this is the first time I've seen a company unwilling to help a customer out for an honest error. Same thing happened with my Walmart card and they were more then generous enough to help me out with the fee's that incurred.

Horrible customer service! They have a treat the customer like cattle policy, Lined with disrespectful overtones it is really uncomfortable. One thing I have encountered on more than one occasion is they process a late fee on your due date! So if you pay the payment on the actual due date they will still attempt to collect a late fee! Have also had other issue's with them. I have 100% payment history on all my bills... I do not recommend them..

Target did not send my first statement until my payment was late. I paid only the $39 that I originally charged and I called to ask if I could have the penalty abated. Target refused to credit my account for a penalty that was not my fault. My most recent statement shows that my current account balance is about $250. This is $250 of pure penalties and interest. This has wrecked my credit, but I will not give in. Let's see who will give in first. I will never shop there again.

I had to call them for a bill almost 60 days after receiving this card. They said I had finance charges and late fees. They had my address wrong and would not waive any fees. I cancelled the card and 90 days later I get another bill for 3 months of late charges. Apparently they posted that payment late and another late charge was required. So all said and done I paid over $200 for the opportunity to have their card. I would advise against it, get a credit card like capital one with points and have them send you target gift cards instead. Their customer service is actually worse than Time Warner

Refused to return late fees after being lied to about auto pay set up. That's not good customer service Target. Keep your card.

i have been charged late fees for four months because i was lied to when i signed up for this card and NO ONE has been even remotely helpful in getting this resolved. based on the one star reviews elsewhere online i am guessing this is a paid site with tons of fake reviews. good work target/td bank. youve lost a significant customer

Target Red Card has gone overboard in their security measures. Everyone in your family has to have an individual account number. Red Card is able to tie the purchases together onto a single bill, but when you attempt to return an item, and you do not have the specific card the purchase was made from, they are unable to return an item and credit your account. This is painful when I try to return an item which my wife purchased through her card. It's not worth the 5%, when you end up losing money on a return. Red Card - You really need to THINK about customer service.

I love my Target card I always shop there for deals and by using my card I get an extra 5% percent off. Money saved means money in my pockets. Forever loyal to Target. Great customer service and are very helpful.

What I really love about the Target RedCard is that I save so much money. I can order things online easily and have them shipped to my house for free, on any purchase. They do not have a minimum purchase amount to receive the free shipping which is spectacular. I also save 5% on every purchase that I make, either online or in-store. It is so easy to use the RedCard, and it saves me money on great merchandise from Target.

I really love my Target credit card. The credit card offers all the benefits and ease of use as any credit card I have ever had, but it also has the added incentive of getting a 5% discount at Target stores and online. And any issue I have with my account or purchases is quickly and professionally resolved with their great customer service. I highly recommend this credit card. 4 Stars.

I love to use my Target card when I go to the store or use online. One of the main reasons why I use it is for the 5% discount. If I find an item that I like online or at other stores, I check to see if it is the same price at Target - if it is I use this card and get it for 5% cheaper!

It was very easy to apply in store and I was accepted right away. It was smooth and simple to get the card. I just filled out all my information and the manager came over and entered it into a computer and was able to give me a card right there at the store. It was great and I also got a 10% off coupon which was nice as well.

Im embarrassed to own this card. My annual income is $140k and my credit is 750's. I've been a member for over 10 years and never missed a payment. Every year I call to get a credit increase and I always get the same answer, it's done automatically. MY LIMIT IS ONLY $1,000!!!!! ARE YOU EFFING KIDDING ME?!?!?! EFF THEM!

We use the Target credit card all the time. We are frequent shoppers at Target. We usually like to combine our coupons, the Target mobile app and the Cartwheel app to maximize our savings. We generally save 5% on our purchases. This is a must-have card for anyone that is looking to maximize their dollar. It is very easy to set up and you can have another person on your card.

I have had my Target Redcard for about 8 years now and don't really use it as much as I once did. The only perk that you seem to get is a 5% discount, I can save just as much by using certain coupons at other stores than the 5% will get me. The free shipping isn't really that great of a deal either because a lot of the times Target is running a special/sale to get free shipping anyway. I will still use the card on occasion but I will say I have seen better offers through other store cards.

I got approved for a card and it's been 20 business days and still haven't received it yet. Highly pissed off. They had told me they mailed it but now they're giving me the runaround. Hate these bastards. Poor business.

I have been using the Target RedCard four 5 years now and really have no complaints. With a constant 5% off every purchase it is definitely a must have. I have also really enjoyed shopping online with my card, I still get the 5% discount and also free shipping and have never had an issue with this. The only thing to be careful of would be the late charge. Before I set up easy auto pay online I forgot a payment by one day and ended up paying $25 for this mistake, my own fault of course but goodness!

I noticed this week that customers were using their "chip-enabled" bank cards, but when I got to the checkout cashier, I discovered that "security" feature isn't available on Red Cards, WHICH STILL HAVE TO BE SWIPED. It's unbelievable, after Target not only had the GIANT SECURITY BREECH against customers who swiped their bank cards in store, (and that it tried to hide for months,) that Taget has not yet issued chip-enabled Red Cards to all card holders. It's especially dumb after upgrading your in store card readers. Target has proved again that it is untrustworthy, and it cares only superficially about it customers.

Target is my absolute favorite store, not only because of their prices, but also because of their great savings opportunities. This card is great because it gives an automatic 5% savings every time I use it. That's on top of the Target coupons available (which I can double up with manufacturers' coupons) and the Cartwheel App. I shop there at least once a week, and since I would be spending that money anyway, it made sense to me to get that extra savings. The only issue would be the interest rate, which is higher than my other credit cards, like Discover. But I use the card, then pay off the balance every month with the money I would use for groceries anyway. That way I get the savings plus free shipping, which is awesome. Definitely worth it!

Saving 5 percent isn't even worth it. There customer service completely sucks. The card originally got sent to the wrong address so I call to update the address with no issue, or so I thought. Only to receive a voicemail a couple days later telling me I have to verify the address. I call the number they provided in the voicemail only for the computer operated voice asking me for my entire card number in order to process my call. HELLO! how would I have that if I never received a card in the first place! So I google to find the correct number to call. I get someone on the phone and of course the customer service rep was very short with me and when I said hold on I have to get my drivers license he rudely says, "helloooo" which at that point my blood was boiling. Seriously I shouldn't have to go through such hell to update my address. Then they want everything down to the last 4 digits of your drivers license to verify. Don't bother getting this card. As soon as its paid off I am closing the account and shredding the card.

I have used my Target Credit Card for several years now. The interest rate that they gave me when I first signed up was great. Usually I am a little iffy of credit cards, but this one has a great interest rate and my payments are very affordable each month. Target's customer service is also excellent. On the few occasions that I had a question, they answered me with no problem at all.