Target Credit Card

You've won a $1,000.00 gift card. After being told I won a gift card, they asked to answer a few questions - approximately 20, which had nothing to do with the gift card. All they wanted was personal info. Then, they proceeded to try to make me qualify for a Discover credit card then purchase 2 items with 1 year subscriptions to have a chance to win. That was 20 minutes out of my day which I declined the entry.

Due to financial difficulties in 2011, I had been paying either the minimum balance or slightly more than the minimum amount due each month by the due date. Finally, on March 5, 2012, my financial situation is good, so I pay $650 towards my Target Visa, and paid off a few other cards as well. My payment to Target cleared the bank by March 8th.

On March 18th, I tried to make a purchase with my card and it was denied, so I called customer service. I was told that although they received my payment 2 weeks prior, it was "under investigation" because I don't normally pay that amount. Then I was told by a customer representative that their actions were probably a way to force me to pay the minimum balance! Target would miss out on all of the interest income if customers paid their balances. I spoke to a supervisor who spoke as if she were reading from a script, and offered to have a "conference call" with my bank (on a Sunday) to make my credit available by Tuesday, March 21st!

Ridiculous! I paid with legitimate funds. Why do I need to go through this ridiculous (and possibly discriminatory) "verification" process? Target accepted the payment, but failed to update my available credit because they didn't like that I paid a substantial portion of my balance. Therefore, I cancelled my account immediately. By the way, neither of the other credit card companies that I paid had a problem with my payment. Target should be prevented from using this practice.

I live in a very small town, Queen Creek AZ, so the other customers are mostly my neighbors. I was asked over and over to apply for this REDcard, which I did. I have never entered Target and not spent between $300- $600 each time. So using my REDcard the first time, I was humiliated to find out my bill was denied. I was told to call my bank, handed a telephone number printed off the cash register, and I called which it turned out to be Target, not my bank. I was told to put $299 on my REDcard and the rest on my credit card, which I did. So to save 5% I had to use my Delta American express at a high rate of interest in order to get out of that store with what I had purchased.

Nice time to tell a person, it is only up to $300. At the register I also wrote a check and it was denied. Why, they said because I don't have a history of spending much money at Target! Absolutely ridiculous. If I took the time to print all my debits from my checking account of the money I have spent in the last four months at this Target, you would say, there are few people who spend what I spend. I am sickened by this. Come to Target! Oh, Get a REDcard, save 5 %, come be humiliated in front of your neighbors. Never had a problem when I used my debit card. All this for 5 % savings? Not worth it. Nothing is worth public humiliation. Nothing.

I have auto payments set up on my account for my Target REDcard. I have never been late or missed a payment. I work for a dental office and our office was bought out by a new owner, so my auto pay was interrupted due to this. I did not find out that my check was not going to be in my account and our pay date was set up much later than expected, until after my auto payment for Target was taken out. I had a representative from Target call me and asking for the payment. I informed her of the change and asked for a one-time courtesy for the fees. The representative stated that I have been a loyal customer for almost a year so that would not be a problem. She stated it would reflect on my next statement.

Well, lo and behold I logged onto my online account and the amount was higher than I expected. So, I researched the account and noticed that they did not do what they promised. I picked up the phone and called Target customer service. The representative that I spoke to stated there was nothing on the account stating a credit would be issued. I informed the representative that I would like to speak to a supervisor. The supervisor got on the phone and pretty much told me the same thing the representative told me. I let him know that I was lied to and I felt that was not very professional and I would take my business elsewhere. He said he was sorry that I felt that way and he stated if there was a bank error, I would be able to get a refund with proof from the bank.

I let the representative know that I would not be using my card anymore and I paid off the remaining balance, including the fees. Target makes millions of dollars and they couldn't spare $30.00 for fees? They aren't a very loyal company to their customers and I have come to learn that people gossip to their friends and family about bad experiences more than they do about the good.

I've had the Target VISA RedCard for a few years now. I shop at Target regularly, especially now that they've changed their rewards to 5% automatic discount. The problem is their payments don't clear very quickly. I made a payment of nearly $2,000 on Jan. 19, 2012 online through the Target RedCard website, and even as of Feb. 3rd (more than 2 weeks later), it still hasn't cleared! I don't know why. The money is there in my bank checking account. And in fact, when I check my bank account activity online, it already shows that Target took the money back on or around the 19th of January. So what the ** are they doing with it that they've yet to make that $2,000 available as part of my credit line again. So if I wanted to make new purchases now, I can only do so in a small amount (using my RedCard that is)! Seriously, when will my payment truly clear?

I called up a customer service rep. to yell at them about this and they literally hung up on me! I called back again and it must've gone to that same agent or something because they disconnected the call as soon as they were supposed to come on. Finally, I called a little later on and found a different agent and she told me that this sort of delay happens when a large payment is made, why?! This lengthy delay doesn't happen when I pay (even if it's thousands of dollars) to any of my other credit cards accounts?! They usually clear it within a couple of business days and the amount paid off is quickly available as part of my credit line again but not with the Target VISA RedCard, apparently. Because of this stupid policy that Target has, I have it in my mind to teach this inconvenience causing ** a good lesson!

I used my card for a $42.00 charge on 1/10/12 and the merchant said it was declined. When I got home, I called and found out the account was closed by Target. In calling a customer service rep, he told me that it was automatically closed due to no activity within the past 12 months. I had a hard time understanding so I asked where he was located, he said New Delhi. I then asked to be transferred to someone in the USA and he became angry but finally made a transfer after 20 minutes. I was then put on hold for another 15 minutes and the the phone disconnected.

All I wanted was a notice that my account was being closed or a simple email telling me that if I don't use the card, the account will be closed. I felt that I should have been told and this should have not reflected in my credit as I was a cardholder for 10 years.

I have been a card member since 1995. On December 19th, I called the company to request a new card because I had never received an updated card after my previous one expired. On December 29th, I called to activate the card and during those 10 days (which includes not only a weekend, but a holiday) the company decided to deactivate my account after 16 years because I hadn't yet used the new card. Absolutely ridiculous customer "service", and now I will undoubtedly have a negative mark on my credit report as it will show as a card closed by the creditor.

For the first time in 1 1/2 years, I had payment three days late. I have always paid three times the balance for my payment. They "suspended" my card for 15 days. When I called to explain, I left my debit card at home and had no other way to make purchases. They could have cared less. I said to cancel the card for good and they threw me on hold for 25 minutes with horrible music. I waited them out though and a very, very rude rep finally cancelled my card. I do not even feel like ever shopping there again, ever. They lost a good customer.

Target charged me interest on my Target cc that put me $13 over my credit limit. I made my payment upon receiving my statement and as I usually do. I paid more than the minimum payment. I was just notified that my credit report was dinged with an "over credit limit" by Target. I contacted them and was told that the available balance was not for me to use as I should always leave available credit for my interest. I told them that they should have denied me using the card at their register if it wasn't going to leave sufficient credit to cover my interest. She said it was all my responsibility to allow enough available credit so they could charge me.

I own my own business in the financial industry and my being able to maintain my business depends on my credit rating being clean. I used to pay cash at Target, but with their new 5% discount when purchasing with their credit card, I've been using the card for the savings. Now they've put my entire business in jeopardy.

There is no easy way to contact this company by phone or computer to resolve issues. I will shop there again, but not often.

I send my daughter to pay my target card with a check. The employee told her she could not accept a check from her since she was not the account holder. She could not pay my account that was due for payment today. Is the employer going to pay for the past due charge? No one answered on the customer service phone on Saturdays.

They did not send me my credit card statements this month. Because of that, I was late one day on my payment. Now they are charging me 30$.

The problem is, they don't even have a real person that I can tell my issue to. I'm a single mother of three and work hard for my money. I can get gas with that money. It is unfair what these people do.

I wrote yesterday saying I received a bill from Target and did not or had not ever had a credit card. I started search my files. I did do a Temp credit card with my current address back in April 2011 to purchase patio chairs, etc. went back and forth to the stores in El Paso due to the fact that each store had a different policy regarding this discount offered. This store honored the discount but in order to get it we had to use a temp credit card which I totally forgot. I do owe the $1,405.40. Due to their not sending to the correct address with no understanding how they came up with an address six years ago has me stumped. I do not feel that I owe the $35.00 fees or the $20.13 interest due to their error. I will send the amount I owe to them immediately. I do not feel that I owe them for their mistakes for fees and interest.

On August 6, 2011, I received a bill from Target. I have not, or ever had, a Target credit card. I moved from ** 6 years ago. I've only shopped at Target maybe at most 3 times and have paid cash.

The billing doesn't even give me what was purchase, date or item/items purchased. This is totally unacceptable and I would like full details as soon as possible.

I am a loyal Target customer. For years I have had a Target credit card which I pay regularly online. I monitor all my accounts online and have never had a problem. Recently, I made an electronic payment thru their website (like always) and the payment was credited to my account (like always). But then they didn't make the credit available on my account. I waited a few days, but still no available credit. I made another payment and that credit was made available right away. I called customer service and they said the payment that had not been released had been put on hold for 15 days! The funds left my bank account, a 20-year old established bank account, but funds on hold nonetheless and there's nothing I could do about it. I should consider myself lucky that this has never happened before and the only way to avoid this in the future was to make an in-store cash payment. What?

I am a weekly Target shopper. I gave my daughter a card to use while she's away at college. We put all our prescriptions there and charge to the card. I make and have made payments to that card 2 and 3 times a month to take advantage of the discounts offered and keep credit available. The customer service rep thanked me for being a good customer but the 15-day hold stays and no one exists who can make the funds available before then. Used to be, for every $1000 you charged on the card, they would send you a 10% off certificate. Then, they stopped doing that and just made it 5% off in-store when you use the card. Since they've been pushing people to use the card to get the 5% off, I guess it was too successful. So now they are just not making the credit available to the good cardholders and loyal customers so they don't have to give the 5%. Is that how that's working? Too bad I hate Wal-Mart with such a passion. Smart & Final, here I come!

I placed a call on 5/28/2011 to Target because I have made a $110 payment (which had posted to my bank account and cleared) and noted my balance on my Target account was -$8. During the month of May I have made several payments to Target, each covering my previous visit charge. This was done because last year Target cut my credit in half because I had only paid the minimum amount during the 3 months of summer that I am off from driving a school bus. I did not want this to happen again so I just paid every time I used the card so I could also get the 5% off they are offering.

I was told that yes they have received my payment but were putting a hold on it because I might be money laundering. I have made 5 payments to them this month of May and that seems to be odd to their system. I made these payments from my debit card. I was told that I had a hold placed on my payment until June 6th. I was also told that even if I spoke to a manager there was no way that they could release the hold on my account. So here I sit with a negative 8 dollars on my Target account and I cannot use the card until June 6th because I made too many payments.

We were having a baby and was at Target shopping for all our baby needs when we were offered a 10% if I got a Target credit card. So I bought everything we needed and spend many thousands of dollars. After making every payment and never being late, I noticed my payments suddenly went way up, checking it closer, I saw my interest rate which was 9% had shift up to 21%. I called the number on the back of my Target card and asked what happened and was told, "Target isn't making as much money so they raised everybody's interest up". I checked with friends and theirs was still low, so I called back and said nobody else went up and I never have been late or missed any payments. I was pretty much told too bad and nothing could be done.

About six months later I lost my job and missed 1 (one) payment. Target started calling up to 5 (five) times each day. I told them I couldn't make the missed payment because I wasn't employed but was making all payment from then on. They continued to call up to 5 (five) times a day. I told them I couldn't get caught up since the interest was so high. It was different month to month ranging from 21% to 13%. I then made a deal to set my interest rate at 6%. The next day they called and said that program expired and made another deal at 0%. Then the next day they called and said I didn't qualify for that one, the next 2 days, the same thing with different rates.

I finally told them enough is enough so we made another agreement at 6% for 4 years and it would be paid off. I was also told do not make a payment until they sent a new bill and to ignore any that came in saying I was behind a payment. I waited 1 (one) month and did not get a new bill. I called and was told it takes time to process and to continue to ignore any payment that came in. I waited another month and called again and was told the same thing, to ignore the bill and not to make a payment. Target then called and said that since I did not make a payment for two months, I no longer could use the agreed payment plan and that I now owed them over $1200 and that I was going to collections. I told the lady that I had been calling every month and was told not to make any payment.

At this time the lady from Target started yelling at me and said it wasn't her problem I wasn't making my payments and that I had to give her my bank account number so she could take $1200 from my acct. I told her I didn't have that kind of money and I just wanted to make the agreed on payment which was $190 a month. She began to scream and yell to the point I had to hang up on her. Then the daily phone calls started again which I made another deal at which if I made the next 3 payments all late fees would be dropped and I could go back to making regular payment.

Well, after one month payment, they called and asked for the $1200. I told them I made another agreement and was told there was no agreement made and that I needed to file bankruptcy. All my other credit companies worked with me and I have no other problems except with Target. Every person I have spoken to has given me a different answer, and I will no longer ever set foot in another Target and tell everybody I know how bad Target has treated me and to never do business there again.

I had taken out a Target Visa card for my youngest child, in my name, to use until she could build a credit history, as seen more and more lately she got married had a child and struggled to make ends meet. She loaded the Target Visa card to the maximum and then she was working on reducing the amount by making smaller payments in between the billing cycle.

But Target surprised us by still requiring the full payment at the due date even though more than half had been paid through multiple smaller payments. By the time we caught the problem the bill became 30 days late. I paid off the late payment in full but it trashed my credit rating which was 660 before the late payment.

I was in the process of applying for a Home Equity Loan that I was planning to payoff all my credit cards, so I could cancel them at the same time the bill went late. My credit dropped during the application process and I was denied the loan. Based on my credit history, I only had 3 blemishes in the last 3-4 years and they all involved accounts that I had co-signed for my children. My personal history is clean. Now, I am stuck with high credit card interest rates until I can slowly rebuild my credit.

I have a Target card, first I went in to the store forgetting my card but with bill in my hand and tried to get someone to help me use my card forget that couldn't be done, then 2 days later went back with card, shopped, went to register just to find out that my card expired again. I asked for help. They gave me a phone and I had to call to try and get to use card and was told they couldn't help and needed to use another form of payment which I did not want to do because we over paid the card and I was trying to use my credit.

So, if this had been a one time deal, I would be ok but this has happened at least 75% of the time I tried to use card. That is 1 off the reasons I have stopped shopping at Target. I live 15 minutes from store and don't have time to run home when I forget card so I cannot understand how like many other stores it can't be looked up either by register or by customer service. My husband has already cancelled our credit card and now of course we have to wait for the check. Thanks for letting me get all this off my chest.

Found out the Target card I was pressured to apply for to save 10% cost me dearly. Never received the card or a bill so I called Target and paid it on the phone (after begging them to help me because I did not have the acct#). Asked that the acct be closed as it was paid in full. Found out six months later Target just closed it with a $11 balance. They did not contact me about this or call me. Now it will take 21 days for them to research.

This is the only bad thing on my credit report and it dropped it 200 points for $11 that I do not owe and they say closed it on the credit report. Please note they would not send to the correct address. I am having my insurance company reevaluate my worthiness and potentially cancel me. I did not even know there was an issue until they contacted me saying my score dropped below 675. I had no idea!

I have been a Target customer as long as I can remember. A few years ago, I decided to apply for a Target Charge Card, it was very helpful for me as a single mother. I am writing because I am very upset! After working a fifteen hour day, I got home and realized I had completely forgot to pay my target card which was due 5 hours ago! I called immediately and explained my situation to a representative. She said she could not help me, I owed $48, which has now turned in to $87.

I am very appreciative for your companies help in the past to eliminate a few late charges. I have been struggling to pay the card off. However, I was one payment away from being paid off and only 5 hours late and you refuse to help me? Again, I am very upset! Unfortunately, I don't think I will be choosing Target department stores for my shopping needs any longer. Hopefully in the future, you will reconsider the specified policy for customers in similar situations. Thank you for your time.

I shopped at Target and at checkout, I was told that I could get 10% off the purchases I was making if I open a Target credit card account. My purchases totaled over $200. I shop at Target often so I thought why not save a little money in the process? After completing the application, I was conveniently told by the cashier that my application needed further processing so I could not get the 10% discount. They probably told everyone this after they've completed the application. Of course, this made me angry. I wasn't concerned about my credit, I know it's good. They have you do the application online so you cannot take the application back. I would have if I could have.

I sent an email to their headquarters and demanded they stop processing the application and lose my info. They stopped the card, but now solicitors are calling my house that weren't before. I hate Target and will never shop there again. I will tell everyone I know the gimmick they got going with their credit card application. I hope they fail!

I was only a few hours late on a payment and Target was unwilling to credit back a $29.00 late charge. I have spent thousands of dollars with this company and have been a card holder for 5 years. The lack of customer service has me willing to never shop there again. I cut up my card and will now be a shopper at WalMart.

Back in December of 2003, I purchased a few items at a Target in California. I had been living in Chesterfiedl, Misouri and I had forgotten to put a change of address to my new home in Torrance, California. I never got a forward letter from Target. More than a year passes and I receive a collection letter from target for about $100.00. I paid it right away. I also cancelled my Target card. This problem is still showing in my credit as if I had never paid it.

Please, I am in the process of purchising a home and Target is still showing a delinquent amount. I had talked to someone over the phone many years ago and they were going to clear my name. Why is it taking so long? Why is company messing up my credit after all these years. I paid it right away, as soon as I found out had been mailing the bill to Chesterfield, Missouri. This happened and was solved more than 5 years ago!

I had always paid my bills on time. I have a great credit score of more than 760. Target is unable to fix the collection' action, even though it was resolved many years ago.

i went to target on highway 58 in chatt. tn to get a computer chair i thought my son wanted, upon checkout, i had the cash in my hand o pay for my purchaces, the cashier said if you apply for a target credit card today you'll get a discount, so, i said ok, still thinking i was just applying. then when i go to give her the money, she says "you've been approved and the transaction was put on your card. i told her i wanted to pay cash (still holding the money in my handshe sail, "well it's already been put on your account and you'll have to go to customer service to pay cash. so, i did. i paid cash, got my receipt and left, well my son did not like it so i take it back, they tell me they woud have to credit my account. i said "I PAID CASH FOR THIS!!). they said , well the only thing they could was to give me a gift card. now, this is noT RIGHT WHEN I PAID CASH IN THE STORE BUT ALL THEY CAN DO IS GIVE ME A GIFT CARD! AS FAR AS I'M CONCEREND, THEY BCAN PUT THEIR CREDIT CARD UP THEIR -------)

I gave up and forgot about it and proceeded to get a new license.

Yesterday, they called to say they have my license and it was just turned in. I went to get it and asked that I should receive a gift card for my expense of getting a new license. All I'm going to get is a "were sorry"

While this is no big deal moneywise, and I expect nothing to be done, it is a bad Target Policy. They have lost a 2K to 3K annual customer over a 20 doller gift certificate. And it would have been the right thing to do.

Some executive at Target should know this, because it is bad busines.