Target Credit Card Reviews

All I wanted to do was make a payment on my Target RedCard. Instead, I spent hours being passed around to at least eight different people, with no one able to actually help me. I was locked out of my RedCard Manager account, and because I no longer had the physical card in my possession, I couldn't complete a password reset since the system required the card number. I worked through multiple password reset attempts with Guest Services. We stayed on the phone together while trying to update my information, but for some reason nothing would update. Even the representative couldn't figure out why. The problem? She couldn't take a payment. So I was transferred again. The next person couldn't take a payment either. Meanwhile, I ended up with a 30-day late mark on my credit report even though I had been actively trying to pay my bill the entire time. Apparently no one could accept my money.

I have had a Target Circle Card for about a decade. I haven't had any major issues except with this re-branding from the RedCard to the Circle card, I received no communication whatsoever and my on-line log-in no longer works. I've had a clean payment history for the entire decade (have never missed a payment or made a late payment), I recently found on my credit report that I had an outstanding balance on a purchase I made about 4 months ago. I have stopped use my Target card as frequently as there are better credit card rewards on other cards but it was still attached to my Target app. I was never notified by email or mail that I had an outstanding balance.

I reported my Target card statement in Jan for 5 fraud charges. I completed the statement and was expecting the charges to be credited. Got the next statement, they were not credited, so I called again. They said that as the number was entered twice, I was responsible for them, I have never ever charged gift cards and never used Target.com and explained that.

I have had this card since 2019. I have a great credit score, and my income is now in 6 figures. I have never gotten a limit increase since getting the card with a $300 limit back in 2019. I have called and talked to multiple people. They say the system automatically decides who gets an increase and then there's a team there that reviews it. BUT you cannot manually submit a credit increase request. I would like to actually shop at target but it's not worth the 3-minute extra drive to buy items I need on the weekly if I don't get to use their card for points. My recommendation is a hard pass on this card. Get a better card that isn't limited.

I am a new customer. Of TD slash Target credit card. Since my account was opened I had a $300 limit. I have consistently made early in person payments multiple even though I didn't have to. But just recently their online system has some sort of issue so the money was in my bank. Their system crashed and the payment didn't go through immediately. I was hit with a $30 fee to which I messaged and an agent reversed it, which I probably won't ever see she. It'll reflect the next billing statement, but whatever.

Like others, who had their line of credit cut, back in 2020 during the COVID-19 pandemic, I had a $7000 credit limit. I was working full time and had a 2 hour daily commute. I made a $60 dollar purchase and had no other balance. I forgot to pay on time so they cut my limit to $200. I kept the card because a low limit card is great for regular purchases. I stopped shopping at Target. Their card is a reflection of their company. Recently I had a charge by someone in a different state and am in the process of disputing the charge as I was not in the other state, nor did I make the purchase.

If you’re thinking about getting a Target Circle credit card, don’t. It’s the worst service I’ve ever received. I had spoke with someone on the phone after I finally got a real person about them billing me for something I did not buy, and it was straightened out, however, a couple weeks later I received a bill for that amount again! They need to hire a computer programmer that knows what the hell they’re doing when it comes to setting up their billing page. I’m just going to cancel the card. I have plenty of credit elsewhere where I will not be hassle like this.

I paid my card off in full twice in 1 month and did not receive my available credit back. After a week I contacted them and they said they would be released at the end of the week, and it's been 2 weeks and they told me there is a hold on my account until my bank can verify I have the funds even though it cleared my bank the day after payment. Since my bank will not answer questions over the phone unless it comes from my phone number I cannot get this resolved and have to wait. This has already cost me $70 in 5% off rewards at Target. At least if I make a payment on Wal-Mart, Best Buy, or Costco cards I don't get punished.

Target cardholder for 20 years. Have an excellent on time payment history and credit score. Was unable to access their online system to make a payment last year in July. I tried accessing online and could not submit. Tried calling but was unable to stay on hold due to very long wait time. Tried accessing a week later and was locked out. I was finally able to access, but it was over 30 days late. They not only reported the late payment, but slashed my limit from $7000 to $800 that I am now told was due to a reevaluation in July. This has 2 negative impacts on my credit report. The customer contact us option was not available from July to December!?

This is a horrible credit card. TD did not send communication or statements. On my own, I inquired if there was any balance due and, surprisingly, there was a $5 balance and a $6 fee already imposed, which I paid within a month. By that time, the worst thing happened; my credit score went down by exactly 100 points. All this happened in a month. I put in a dispute, but arguments are of no use because the staff is less knowledgeable. Be careful, never ever fall for the 5% offer by Target with this card; it is not worth losing your credit score, especially when they don't even communicate and give you a grace period. Shred or burn any offers you receive. It is the worst, not ethical bank in the US market.