Target Credit Card Reviews

On April 8, I made a purchase from Target for $11.31 using my Target Red Card. My account was set up for autopay. On May 1, before the payment was due on May 10th; I edited my bank account info which was confirmed as the online app noted "This message was generated to notify you that the event "Add/Update Payment Account" occurred on your account." However, on May 10, I received an email informing me that my payment of $11.31 was returned?! I checked my Target online app again on 5/13 to make sure my updated bank info was recorded correctly, and it was. So I placed a call to customer service to inquire why my payment was returned. The rep I talked to assured me it would be taken care off, but there was a $1 late fee?! Even though unreasonable, but I agreed to pay.

5% is nice. Interest rate is high.. Be careful when you’re trying to make any changes using the online website, as there can be issues with information being saved. My experience when attempting to change info on the online site was evidently not saved, though showed saved at the time I was on the website. Usually I receive an email, this time there was nothing, so I logged in and saw the old info still on my profile. Extremely small balance on card at the time. Credit limit was extremely high due to time I’ve had the card. Unfortunately I was a couple of days late, and they reported the card as not being paid. Spoke to customer service, and explained the situation, not much help on their end, though looking at my history over the past 13 years and never having any problems the customer service was surprised, as the balance was extremely small.. I changed the info manually with them since there were issues with the online service website..

Experienced financial problems, tried to fix with Target Red Card services, 12 months payments. Completed the monthly repayment plan, requested auto-pay, but apparently didn't apply, more late fees. Contacted the service people which are very rude. I will never step into a target or deal with this organization again. Allied or Alliance services, which is their recovery program is full of rude people. They were quick to offer a small discount compared to the large amount of interest charged. Had the card for over 16 years. Times have changed, no more target!

I have a Target Red Card MC and they email me saying I have rewards to collect on. BUT TWICE [Nov 2022 & Feb 2023] I have tried to collect the rewards - They deduct them from MY rewards Balance AND THEN say they will email me the gift card[s] BUT THAT EMAIL NEVER COMES!! I have called THREE times, just spent OVER ONE HOUR on the phone with their 'Gift card dept.' and they told me to create a new email just for them to email me the rewards -- WHAT!!?! I requested they just mail me the gift cards [$16. + $15.00] BUT they said they can't do that - WHAT THE HECK!?! When I asked for a supervisor, The person I spoke with [Diego] kept saying he WAS the supervisor because he answered the phone [?] and no one else could help me. STAY AWAY FROM TARGET REDCARD MC PROGRAM IF YOU WANT TO COLLECT YOUR EARNED REWARDS!!! I will NOT be using The Red Card anymore!!

I haven’t had any late payments or anything and yet they decreased my credit limit over $1000! I call customer service and they don’t know why! Horrible customer service! Really disappointed in Target.

My Red Card was declined for the first time in 9 years and when I called, I was told it was because a renewal card had been sent and returned as undeliverable. Target sent it to an old address even though I updated my address on my account. They apologized and agreed to send a new card by two-day delivery- and they sent me the same card, same number which was not valid and I couldn't activate it because they cancelled that number. They apologized again and said they were sending me a new card two-day delivery and I would need to sign for it. (At this point I had been without a card for 10 days.) I stayed home the day of delivery to sign for it and it never came. When I called I was told by a Manager that although it was 'supposed' to be sent two-day, it wasn't and had actually not been shipped at all. He apologized again but this time I said an apology wasn't good enough.

I used my card at a Racetrac with a locking card mechanism which malfunctioned and kept my card. For 10 mins we tried to get the card out, I had an employee out helping me and they ended up calling for a technician but they were backed up for four hours. We yanked and pulled and canceled the sale over and over. I left my name and number and went to find something to do for four hours. About 10 mins later I get called by an employee who says a random person entered the store, said they got my card out, called the number on the back, cancelled my card, and then 'destroyed it', and then left the store. They were unable to recover the card or pieces of it.

There was a credit card account opened in my name by a family member back when I was 19 and did not know how to check my credit. Target refuses to remove the charge off from my credit, despite me paying it off. I explained the entire situation to one of their “account managers” and even though I took responsibility for it and paid it, they still slapped a “charge off” status on my credit just to make sure this would have a huge negative impact on my financial life for 7 more years from the payoff date.When attempting to explain the situation to their “account manager” all she had to say was “there’s nothing we can do, maybe try sending us letter instead.” So the few points you should take from this is

If you use this card make sure you sign up for paper statements because they make it impossible for you to sign into your account to check your bill. I am left guessing each month, trying to remember if I used the card, and how much I might owe. They will let me sign in to the Target website and recognize my computer, but when I go to the red-card link, they insist they do not recognize my computer and require a verification through my phone. They then fail to send the verification code. This is simple coding and if they do this repeatedly, it is obviously by design. It must lead them to make a fortune on late fees... Especially if they are not sending paper bills. I'm going to tear the card up and I'll be less likely to choose Target in the future.

The card itself is good I guess and saves you 5% on purchases but if you ever want a credit line increase you have to fight for it even if you've been a customer of theirs for years and years and I've never paid a late payment in my life. It used to be you could get on the phone with them and they could look at your account and they would let you know right then whether or not you qualified for an increase. Now it takes 6 to 12 months for the "system" to approve you and if you try to call and get a status of it or talk to anybody about it, nobody can tell you an answer because it's not them that does it, it's the "system". Apparently Target has decided to outsource their operations overseas so the department that supposedly handles this is in India and nobody can call them to inquire, they can only send a message, but either way you don't get an answer because they never call you back to let you know what happened.