Target Credit Card Reviews

Absolutely terrible customer service. This company is atrocious. The help line employees are beyond rude and horrible to work with. Avoid at all costs. I attempted to call the helpline for information on my card because I had misplaced it and wanted to pay my bill online. The website states there is a number to call for card information, however, the employees will do nothing to help the issue. They refuse to give card information over the phone but insist you need to give your bank information to them instead.

l wish I'd never bothered to apply for this card. I've had one since 2013 (12 years!), And have always paid on time. I didn't set up autopay because they require you to connect your checking account to the card, and at the time I applied they'd just been hacked and their user data stolen. About a month ago I was sick and forgot to pay a $26 credit. I paid as soon as I remembered, but they dropped my credit limit from $9,000+ to $200! I can't close it or lose my "length of credit" status, but omg DO NOT go with a Target card, just get something else.

Needs to be SHUT DOWN. Don't know how in the hades they remain a thing when they've messed so many Consumer accounts, considering the pending lawsuits. Absolute trash. I had a few different Red Cards over time when the store was actually a decent place to shop in 'upgrading' their card services to 'newer' versions with added/changed perks for online shopping convenience. Well - they decided to separate and outsource this to offshore dealing alongside a broken website that no longer allowed sign-in to pay your bill. Forging a hundred excuses in time, taking zero responsibility. In fact blaming YOU the customer for "not paying on time" And twice now they've canceled my card/account in good standing, with the repeat dull excuse that I've been late. Which of course is an utter lie. Can't reach a Mgr. to straighten this out, so to hades with them. I'll drive to my nearby store and pay manually. Kissing them and their trash retail goodbye.

Using the Target Red Card is easy for purchases. The problem comes when you go to pay the bill. There is no "Pay Bill" tab anywhere on the website, the app or on the email they send with your statement. It's ridiculous. I have called numerous times to try to fix it. It is singularly the most confusing and annoying card to work with. It seems to have started with the RED CARD merged with the credit card. Ever since, it has been nearly impossible to pay the pill unless you drive to the store or call the customer service line. Even when you call customer service, it's pretty slow and annoying, you have to confirm your account number and then it reads it back VERY SLOWLY. You go to make a payment and the computer voice rambles on with every option available. I can literally pay all of my bills with other accounts faster than this one account. If I could rate it a ZERO, I would.

The Target Card customer service is ridiculous. Made a huge payment on my card and here we are 13 days later and my available balance has not been credited even though they have the funds which cleared my account 10 days ago. No help from customer service. They informed me that I have to wait 2 more days for the balance to reflect my payment. Absurd. It's 2024 Target. Upgrade your systems.

Worst credit card I have ever had. And I have MANY cards. Paid the total amt every month at least once, and they would still hit me with late fees. Refused to move the payment date to prevent this. Now I can't even log into the online account; won't recognize my logins. I closed it. Really won't miss it and having to call their customer support every other month. My time is worth more than saving a few bucks on a few purchases every month.

Target Redcard customer service experience is the worst one I have ever had. While calling the customer service, it hardly goes through. And even if it goes through the call gets disconnected in between the conversation and they never worry to call you back. The representatives are very unprofessional and they lack skills to understand your concern and provide any kind of solution.

I called the 800 number and talked to a Peter (who wouldn't give me his last name) and said he was a supervisor. I was near my limit and asked what I could do so I could place another order. He said it would take 24-48 hours to process a payment. I then asked what would happen to my automatic payment if he did process the payment and he said it would be processed again. I asked if he could stop this and he said no. None of this makes sense. Hopefully the call was recorded and he will receive some more training.

I called them to get the status of my card. They said my account was closed. I never received a letter in the mail…. Greg is horrible rep and should be fired and needs to learn how to use the computer, figure why notes weren’t made on the account.

Target Card is the worst card I’ve ever had. Avoid this at all costs. Unable to create online account without physical card. Accrued late fees before card was received. Unable to get assistance via phone. Total garbage. I’ll gladly pay 5% more to never deal with them.

Completely frustrated with Target Fraud department. Someone opened a Target card using my personal information but incorrect driver's license number. Target still approved card even though I already have a Target redcard, gave them an authorization number and they purchase $428 of airpods. Now I am liable for their purchase, even though I submitted a police report and provided proof that I was at home when card was opened. They have denied my appeal 3 times, the first appeal was sent to a dispute department. They are difficult to talk to directly, need to talk to the middle person who has no access to the information and why it is being denied. Went directly to the credit bureau to resolve this issue. Cancel your existing Redcard (I've had one since 2003). The minute there is fraud, you are going to be in trouble and your credit score will drop 100 points. They need to be sued!!!

I had a balanced owed. Called to pay the amounts and was given two different amounts with the same team member assisting me. Transferred over to manager. Three-way call bank. Bank verifies less amount owed. Target Red Card Manager ends the call with my bank. Shortly after tells me she's having difficulty hearing me and hangs up. No issues hearing me through the 30-minute call we shared. Strange and Rude. Called again to Target redcard, make sure no issues or added payments. Paid amount. Takes 72 hours to appear in my account.

Due to Target credit credit card and customer support support 1. My credit score went from 855 to 700. 2. I called three times, each person was rude than the next. 3. I tried to get the credit issued correct they told me it is not their problem and I had to call the credit bureau. The credit bureau told me to call them. I have been a cardholder for target credit card for over five years. I never allowed them to raise the limit because I had heard about how they treated people in the past however, I am a person who gives folks a chance. The convenience was helpful for my family. The balance was paid off every month.

Target store I have no problem with, or merchandise. Just moved to address & haven't been receiving my card in mail so I cancel the cards. The envelopes that the Target Red Card are sent in are very thin & I suspect card was being taken. I have informed delivery it lets me know when mail is on the way. I reported to the post office. I don't feel they're are educated on their own products. I took me a month to get to someone. I googled corporate office & I finally got a human. Early in the process I'd call customer service & they couldn't even bring up my account. I called to let them know the 3rd card sent needed to be concealed. As crazy as this sounds they told me I had to send them a copy of my Id & and Social Security Card. The corporate office told me they haven't received it. They refuse to bring up account number and info. They were treating me like a criminal. You didn't require that info when done application online.

Due to their auto pay error, they closed my account. I signed up for statement balance and what did they do, pulled out my current balance after I already paid the statement balance days earlier. This caused the payment to return, so they closed my account. Every dispute response I receive does not acknowledge the fact that I signed up for auto pay for statement balance not current balance and they refuse to provide any terms to show that auto pay will occur no matter what terms you select. Disappointed to say the least. Haven’t set foot in Target since. Now I just order everything through Amazon.

Red Card Team, Supervisors, Fraud Department, Customer Service. All horrible. Not enough knowledge, misleading, false information, judgmental, need more training and experience, poor communication, drop phone calls constantly. No attempts to contact you back. Causes high blood pressure, careless, don't notate accounts, poor skills, poor customer satisfaction, liars, stressful. Give inaccurate information. Don't care if you're upset. Refuse to give contact information to high authorities, had to google and research for self. Allow fraud to your account and penalize you for it. Accounts not protected and unsecure. Such a disgrace. Need better hiring process. Sucks. My first store card ever with a company. Been pissed since day one of receiving my first card. 11/17/2024 until current. Issue still not resolved. Ready to give up and close account, horrible first experience.

I opened a Target Red Card account in 2021. After a few months, Target raised my credit limit to 1400 per month. I thought that's nice. I paid them on time every month either the entire balance or a very large payment. I discovered that they were not reporting the correct balance or not reporting at all for several months. This was making my credit score go down. I called them and they just lied. I wrote them a letter and said, "You are suspended, for 30 days I will not use your card. You have 30 days to correct my credit report." Instead of responding they mail this Mastercard with a 4000 dollar limit but with over 30 percent interest. I wrote another letter and mailed back the card that day.

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!!

This is the worst credit card to have. Their system is awful. Nothing's updated in a reasonable amount of time. They hold payments and return payment for absolutely no reason and dealing with their customer service is a nightmare. Never using this card again

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.

I had just a Target Red Card in 2016 with at 250.00 limit. They upped my limit to 500.00 shortly after using the card in 2016 and kept raising it. I was upgraded to a Target MasterCard in 2017 or 2018 with a 9,000.00 limit. Then in 2019 upgraded to a 11,000.00 limit. The bank behind this card is TD Bank USA, N.A. and the interest rate was terrible and the website for making payments is not well designed. If large payments are made they can take a long time to post which is frustrating. Customer service is ok but not the best when you call. The Target MasterCard rewards are not worth it and you just cash them out and get a gift card to use at target. Avoid this card the interest rate is terrible and the bank behind the card is average at best.

Between log into the Target Store itself. That's one thing. But to make it so bloody hard to sign into their Red Card account. I know my user & password but each time they say it wrong. I'm done trying.

I have had this card for a year and a half. Limit was 500. I don't use this card much. Target reduced my limit to 200 due to the fact I don't use it much. I have 24 cards and none of them have done this. My credit score took a hit which is unfortunate. I called. Customer service was extremely rude. I would have never opened this. Had I known this was their practice. I've worked so hard on my credit and took a 19 point hit because I didn't use the card as much as Target thinks I should.

At least once a year they charge a $99 charge to my account without permission. They state that I gave permission in order to receive on-line orders next day with no shipping fee. It is difficult to get any of the customer service reps to assist you because they are trained to frustrate you and then they just hang up. Sorry Target. I love your goods and your incentives but the headache is not worth it. Closing my account.

The worse credit card I have ever had. Customer service is rude and absolutely not helpful! For the years I have had this card has been nothing but trouble and I can't wait to close it once I buy our house. Here is my reason to stay clear:

I got a Target redcard credit card, 3 months in, making my payments and all of a sudden I'm seeing my payments taking 1-2 weeks to post. Electronic payments mind you, in this day and age. When I call Target Redcard, they are telling me that they need to dial my bank on a 3 way call and have me enter my bank credentials to verify those payments.... What? I work in a bank, this is how people are scammed. I hung up and called them back, talked to a different associate and they told me the same thing. Unless Target is so cheap that they are still using computers from 1990s to process "electronic payments", I don't see how it is possible to process a payment for 2 weeks. It deducted from my bank acct same day, but somehow does not reflect on Targe Redcard for 2 weeks and the support line is useless!!! Canceling this RedCard, it is not worth the 5% to expose your bank information to Target support teams in India

Used several Target gift cards towards purchase of a phone. The remaining $5.92 was charged to my RedCard. Two months later I get a letter in the mail demanding payment for $7.92. Upon checking my bank, which I use to pay all bills, I see that the scheduled payment was $5.92 was never sent. Target failed to send a email that the account was overdue yet searching my email account I found dozens of unread emails concerning their latest sales. Target failed to send a monthly invoice. Target failed to contact me at home via phone. Instead they added a $1.00 finance charge each month it was overdue and reported me to the credit bureau. As a result my near 850 excellent rating has dropped 99 points to just good. I have never had a late payment in the multiple decades I've owned credit cards. Say goodbye to any further business over the coming decades Target.

I was a credit card holder for over 6 years, had a very high limit, never late, paid in full. I went to use my card and they had lowered my limit from $3,600 to $300. No changes on credit, no answers. Very RUDE customer service.. The impact this put on my credit score was devastating. I would truly like some answers. I Ended up closing the account.

I went to use my card today and it declined. They said they lowered my limit due to inactivity. It’s been less than 11 months since I last used the card. They lowered my limit right before the holidays without telling me. I contacted customer service and they were rude and unhelpful! I have had a card with them for over 8 years.

After being a satisfied Redcard holder for almost 10 years, I am DISGUSTED by their scam and HORRENDOUS customer service. An authorized autopay was attempted after my balance was $0.00. It failed so I was hit with a $29 return payment fee. Why?? There wasn’t a bill to pay. I called customer service to ask and was hung up on twice. Once I was told, “NO you listen to me!” Another “dispute supervisor” claimed it was a bank error so “it’s your problem”. There’s no bank error. This was a scam. I have read that I’m not the only one this happened to. Warning to all: take your autopay off and watch for hidden fees.

I made a payment in the Target store on my Target RedCard by check for $5,866.00 on June 8, 2021. The payments was credited to my account and then subsequently removed on August 1, 2021. Upon inquiry to target red card the check was confirmed cashed by target on August 10, 2021. I have been in contact with target red card services and told I need to wait while they research the payment. I have provided a copy of the cashed check, receipt of in store payment, and related transactions on my target red card. It is now October 1st, 2021 and nothing as of yet.

When you call they ask for last numbers of SSI and when you call the first people answering is overseas people. They can not be trusted with your bank info. They double charge. Also, mailing payment is always delayed.

I was charged a return payment fee of $29.00 for a small auto pay I didn’t authorize and I cancel this payment and there was a online glitch to the Target app. I called target to dispute the fee and they refused to refund me and wanted me call my bank and waste their time… I’m looking forward of closing this credit card after I paid it off in full… And also they denied all of my previous disputes and never resolved them.

Contacted Target Redcard customer service and dispute department today, 3/23/21, due to a hold they placed on my account. In Feb 2021, OR experienced a statewide weather/storm event in which our governor declared a state of emergency, we were frozen over and did not have access to banks (they were closed), everything was shut down, and no power for several days. I have been a Redcard holder for several years, no prior or previous incidents or issues, all payments have been made on time, as my credit history shows. Feb 2021, my online payment was returned due to non-sufficient funds, as I was unable to deposit money into our account due to closures and shutdown due to severe ice and snow, we were unable to leave our home.

I use to like to shop at Target and use my credit card very often for few years. I never miss a payment and have good credit scores, one day, with no explanation, they reduce my credit limit. I keep making my payments obviously, but I do not use the card anymore, neither shop at Target. Sorry.

"Customer service" is non-existent, the only "benefit" is the 5% off at Target which actually only lowers the price closer to what Walmart sells stuff for. You might say "oh but what about the free shipping you get with the card?" Not worth it. They have a "minimum purchase" just to ship! You can't even pay for shipping instead of meeting the minimum! I wanted to change my statement closing date on all of my cards to the same day. That way I can pay them off and have a clean slate for the new month. I had ZERO problems with Chase doing that. I sent them a secure message and bam! Job done.

Target credit card lowers people's credit limit without notification. If they deem that you don't use their card enough, they lower your limit. They claim they mail a letter, but they obviously don't because others on this site have stated they didn't receive them. They say they notify you by statement, but if you don't have a balance, they don't produce a statement. They affect people's credit scores without any regard, and when you inquire, the responses are very rude!

I had this card 10 years. During COVID I didn't use my Target card for 6 months, and had a zero balance. Suddenly I get a notification that there has been a major score drop due to a significant decrease in available balance on a card. My Target credit card available balance has been decreased by over %35 "automatically" by the system for non-usage. According to the rude rep and manager Shawn there is nothing they can do. A letter was sent via USPS. When I stated I didn't get this letter he says basically not surprised since the mail is running so slow due to COVID. Mind you this wouldn't be such a big deal if it wasn't for the fact I am in the middle of looking for a place and this mishap dropped my score 18 points!! Target basically said, "Too bad not our problem." After being a great credit card customer for 10+ years that's what I get?

Target lost my full one-time payment and verified it by my bank. The Dispute Dept/Customer Service doesn't communicate with Collections. The Dispute Department has 30 days to resolve the issue. Meanwhile, as they delay, the customer's credit rating adversely impacted. When you call, they hang up on you with no resolve even though you are not at fault. It's not worth the 5% discount with this type of customer service.

I have been using my Target Master Card for about 2 years now and I find it extremely useful for everyday purchases. I was given a large credit limit which allows me to make large purchases. In addition to the convenience, I can benefit from a 5% discount off my purchases when I shop at Target stores.

Excellent customer service. Great card to purchase daily needs or large, long term purchases. Reasonable monthly payments and low rates.

TD Bank who controls Target Card refuses to help people during this bad crisis. They will not offer help for COVID help. Any help they think they offer is no help at all. They offered me more than the monthly payment as covid help. That's no help.

Getting free shipping when I buy online is always a bonus. I like getting a percentage off when I use my card. Confusing and frustrating trying to get set up to pay my bill online.

Target gives 5% cash back. It helped raise my credit score as I don’t frequently use it. I pay it off either all at once or in 2-3 payments if larger. Always pay more than minimum on time.

Their online tool, app or just online is very difficult to use. Target cuts off labels so that the full address doesn't appear and packages are returned, it's impossible to change. The card works okay in and of itself but because the website is so hard to use I rarely use this card. Target customer service is difficult to work with. If you want to be reimbursed because you didn't receive something in your package, instead of having it remailed to you you can't. You have to hold for a representative to try to talk you out if the reimbursement. I held for 45 minutes to talk to someone who immediately turned around and reimbursed me. I was at work and I don't have time for that. I am thinking of just canceling my card, it's not worth the hassle.

I have had to speak to Customer Service a few times in the last week. I have a problem with a charge that I am questioning. They handled in their investigation dept. I sincerely hope they will credit me for the charge, but I have to admit, I was wrong as did not fully understand the terms of the agreement. All in all, they have been helpful and at least listen to me.

I opened a Target Red Card in September. Due to their rude and horrible customer service I closed the account 2 weeks later. Now the account is closed with a zero balance and is being reported to TransUnion as derogatory! I contacted the credit dept again today and spoke to a supervisor. She stated Transunion was to blame which is a lie! It is obvious Target Credit lies, cheats and reports inaccurate information and accepts no responsibility. My suggestion is do not do business with Target Redcard Credit, which is reported as TD Bank on credit reports. It is obvious this company scams their customers. Target Red Card are scammers and crooks running a business!!

I've been a REDcard member since 2006. REDcard gave me a courtesy notice via email to inform me that my card was expiring and to expect a new card in 7 - 10 business days. I contacted their customer service department after 10 days to let them that the new card did not arrive, so they relayed to me that that card would be canceled and new card would be issued, and to expect its arrival in another 7 - 10 business days. However, they did not inform me that my existing card would also be canceled; I found out the hard way. I use my card for autopay on 6 companies; one of them emailed me and stated that they were unable to charge the card on file.

This began when I received a letter saying that if I didn’t use my Target RedCard, it would be closed. So, I used it to buy a few Minnie Mouse Christmas presents in December 2018 and paid the card off when I received my bill in Jan. 2019. I keep all my receipts and take notes. When I tried to refinance within the past few weeks, they said the Target charge that was in collections was really hurting my credit score that had brought my credit down from 720 to 648! I looked through all my files and had NOTHING charged on my Target credit card!

I have had the Red Card for several years, never had a late payment (generally pay extra to keep the balance low), using it for everyday purchases to take advantage of the 5%. Apparently, I was not using it enough, as they cut my limit way down, which resulted in dropping the credit score, since debt ratio suddenly went up, which resulted in further credit drops. I have been working really hard to improve my score after an issue a couple of years ago, and was finally starting to get better until I had Target do this. Horrible Service for someone who had been (previously) a loyal customer for several years! If they just looked at the history, they would see that I never missed payments, and my actual score was already up over 100 points this year, at least until they pulled this.

Very great, you receive gift cards and earn money back basically. It’s useful and especially if you shop at Target a lot. I recommend you getting this and enjoying all the benefits.

First, I couldn’t use the credit I was given because the delivery dept was not aligned with the ‘Red Card’ dept and had nothing to do with the shoppers who do the product gathering at the store for home delivery. They use three different non cohesive systems. Target does not have it together. During pandemic stay at home orders I spent hours and days on the phone like a full time job to get nowhere except hearing each dept placing blame on the other dept that it’s not their system it must be in the other and for me to keep trying because everything looks fine on their end but that they can’t manually put in the order because it’s the other dept that does part of it.

Yes the 5% sounds good but the ridiculous charges do not. Evidently there was an accounting error and an incorrect routing number used on a payment and the payment wasn't due for two weeks! $29.00 fee. "Sorry we reached out to our team and they were not able to help," so I closed my account....

I love Target. The prices, convenience, delivery service, stock, cashback, gift cards, food selections, online shopping experience and all they have to offer has been great. But I hate the increase in the amount of the monthly payment.

Target Credit Card is pretty great! The card took a while to qualify for (make sure your credit rating is on point before applying) but once I received it the card was easy to use, time-saving, and I got quite a few reward points after using it.

It's a good way to build back my credit and isn't expensive at all...I was very happy with how less than expected my bill was. And I'm happy with choosing this card...So I will tell others about the card.

Gives you free shipping on almost all Target orders, additional 5% discount, loyalty points, security, great customer service, convenience, easy ways of redeeming rewards, low fees, convenience of using and paying in a store.

My husband was scammed terribly of $5000 Target gift cards. It’s been over a month since we reported it to Target and it’s still sitting in a queue to be worked on. Meanwhile our detective has already received videos of the people who scammed my husband using the information my husband was scammed to give. In the middle of a pandemic and with me being unemployed I really hope Target does the right thing and gives my husband back the money that was taken and not used this scam to their advantage and say oh there’s $5000 spent in Target who cares that we have been put in debt over it while Target is making their killing in sells.

Have been a cardholder for 17 years. Never late with payments. Make more than 1 most months. Was charged a late fee in May because my payment was one day late. Called, removed, added a higher late fee next day though my payment came in the same day. They don’t count how much you pay, how long you been a customer, how high their interest rates are. They are trying to bleed you dry. Unbelievable.

Stay away from this credit card. Target will not protect you or your Target Redcard from fraudulent charges and/or identity theft, and will actively block you from reporting credit card fraud. The "rcam" website for the card is ancient, impossible to navigate, and does not have a "report fraud" or "dispute a charge" feature as all other credit card companies do. Target will not work with you through their own website's secure messaging, not through email, and not through the phone as no one has been answering Target's 800 number through the entirety of the pandemic. Unlike other major corporations, Target has not entered the 21st century, you can't even DM them through Twitter, @Target and @AskTarget will just ignore you. There is simply no way to report credit card fraud, much less get assistance in resolving even the smallest Target Redcard issue. Target is constantly in the news for credit card fraud for a reason - buyer beware.

Never have I ever in my 20 years of owning a credit card had a company to decrease my credit limit. After months of paying this card down the company decreases your credit limit without notifying you. This negatively affects your credit report because the payments made to pay the account down has been taken away and your debt to balance ratio is higher than the month before due to this. The interest rates are high. Best to go with any credit card but this one.

I signed up for the credit card only to discover that they have interest rates hitting you based on their revolving statements being issued. I signed up for the account on 3/26/2020, activated my card on 4/2/2020. Set up MyRedCard on the website on 4/10/2020, only to discover that my small amount of purchases were due on 4/16/2020 or I get charged 25% APR! What the heck?!! So much for the 5% savings. You have to pay that balance ASAP or they are going to sneak a way to add interest on there. NONE OF THIS WAS MADE UPFRONT WITH ME. I had to do my own investigating to figure out how they were being sneaky with their customers. Add on top of everything else, I needed to return one item because it didn't fit and I can't return it before the account statement due date because of COVID-19! What the heck?! So I have to get charged interest on an item that doesn't fit me and I have no way to return it. Neat trick there, Target.

I’d had issues with their system first not processing my payment and then locking me out. Their hours of operation wouldn’t allow for most working consumers to spend 45 minutes hold time to wait for an answer. I’d moved and lost the card itself so I attempted to go into Target with my SSN and ID to apply a payment only to find that no one there could assist me further and only to be able to give me the number to their customer service. After about a month, I finally had a day to call them and after nearly an hour's wait time, I got through to be told I’d have to contact a technical department for assistance to reset my user ID and password. After several more hours, I could finally reset. Once logged in, my payment wouldn’t process once more and timed out repeatedly.

In early 2019, our home was flooded and we had to demolish it. This whole situation has set us back financially and emotionally. I partially blame this disaster for what happened below. That being said, I had a Target Red Card for over 10 years. Recently, I attempted to make a payment, pulling money from a new checking account. When I was keying it in, Target's system would not allow me to click on CHECKING so I clicked on SAVINGS thinking it would not make much of a difference. WRONG! The payment bounced back. The next time I entered the account number it did allow me to click on CHECKING, but I accidentally keyed the account number and it was one digit short. It was returned again. Within a few days of that attempt to pay the account they closed my account and refused to consider the situation. On top of it, they popped my interest rate up to almost 25%.

They gave me $300. I only spent $40. Now I can't get into my account. I have to call the 1 800 number to hear how much I owe. I think I'll just pay it off. Then close my account. It's just not worth having to me.

Got RedCard this September, first bill went to old address, Target notified me I was late and, horrified, I paid the balance in full and have done so ever since. Didn't matter. Target randomly declines the card. Multiple calls to nightmarish overseas customer service resulted in being told everything was "Fine" even as their own store continued to randomly either decline or accept the card.

The information Obtained from talking to Target Red card rep is that the late fee won’t incur more late fees after closing the account, it will just STAY THERE doing nothing — NOT TRUE! Two months later a statement came in for two more late fees based on the one late fee not taken cared of before closing! Target account retention won’t even talk to you after giving the wrong info putting me in $90+ debt leaving me to collection, which can only tell me sorry but I have to pay. — what about sorry and you pay the bill!

I have had this account for over 15 years. I was always in good standing and they consistent raised my credit limit. Recently I moved into a new house and hiked my balance up. I went to pay half that balance by adding a new account which I ended up missing one number that caused the account to reject and I got hit with an insufficient fund fee. Fine. Whatever. I reloaded the account, made that big payment, and it cleared no problem, but then the next day I get an email from my credit monitoring company that my Target acct was closed. Knowing that I didn't close it, I sent an email to investigate it. According to the rep that responded, I had "too many" aka 1 insufficient funds transaction and therefore they permanently closed my account and it can't be reopened. No notice, no attempt to rectify, no nothing.

I have had my Target RedCard for 7 months now. I have NEVER missed a payment with them. I have also NEVER had a payment returned to them for any reason. I ALWAYS pay my balance down to 20% EVERY MONTH. I paid it this December 17th, and the payment cleared my bank on December 18th. They REFUSE to post it to my available credit. It is not like I need it, or at this point would use it. However, there is NO REASON that they should be holding my payment hostage. My e-mails to them and phone calls have all gone with BS excuses. Now they want me to call my bank on a conference call with them. This is ridiculous to say the least. I will be paying off this card this month, and never using it again.

Somehow my payment payment amount was changed from full payment to minimum payment earlier this year. Since I was not getting paper, I didn't notice it 'til lately. For all the prior 9 years I have always paid-it off so I called to see what adjustment could be made. Response - tough luck. The rep did say he could take off the latest interest charge - Called back and it was not taken off and that rep said nothing they could do. Cancelled the card. Long term customer desires some consideration. Target may have even had caused the problem since they rejection my bank's payment - same bank used for 9 years - had to reestablish.

I have had the REDCard since March 2017 and up until a few months ago everything has been fine. All of a sudden the card reader is constantly telling me that it is unable to accept my card and I need to contact the issuer, so I did.... They basically told me there was nothing they could do and to "wipe off the chip". I also tried to use it a week ago and surprise, it wouldn't accept it but the charges are still showing in my account. They told me I'd have to dispute it once it posted for money that I spent on a completely different card because theirs wouldn't work. I have spent a lot of money on my REDCard so for them to treat me this way makes me very angry. I love the products Target has to offer and originally I loved having the REDcard but not anymore. Oddly enough, it always works at the in-store Starbucks, just not for things I actually need it for. They truly don't care about you, just go get a different card.

Never never get a card. It takes 13 transfers and a huge nightmare to ask a question. Worst experience . 4 years customer and now done. Each department kept saying this is the wrong department, but you validate your personal information each time. Then, you are on hold forever and get disconnected and start over again. Then, you hear foul mouthed songs while waiting.

I missed one payment in October and they have sent it to collections. I have had my card for almost two years and never missed a payment. I could understand if I was two or three months behind. I am trying to rebuild my credit and this will cause my score to drop dramatically. I will be calling the collection agency on Monday and find out what my options are at this point. This is such BS... I will never shop at Target again.

I have excellent credit and because I was closed as a red card holder. Never new it was closed and why??? I called and they stated I had two mishaps with my bank W/F and they closed it. I was so hurt due to the fact I am responsible and pay off balances and I am on automatic payments as well. I will never go into another Target again even if they were to give it back no thank you!!! BEWARE HORRIBLE customer service as well. ICE COLD HEARTLESS PEOPLE telling me I can re apply. Well If that was the case then why they do it in the first place??? NEVER AGAIN AND I AM WARNING PEOPLE BOYCOTT THIS STORE.

I would give this 0/5 stars if possible. Not only did I pay over $300 in credit card debt, but the Target sales representatives completely undisclosed and omitted the fact that this was a credit card, pushing that you won't need to pay anything else for it. Fast forward, I'm starting to get billed and having to pay credit card payments for something that was completely unclear. Exploiting young customers, isn't a great look Target.

I’m beyond appalled and frustrated with my Target Red Card and the betrayal of this company after my many years of purchases. Three months ago, my husband and I decided to pay off several credit cards. The Target Red card was one of them. On June 17, 2019, our account was due so I made a payment of 100.00 which was more than the minimum due. Two days later I received the funds to pay off our cards, went on my online target account, and paid the entire balance.

I have been using Target Red Card for several years. I am shopping items online or in the store. Lately I signed in my Target Red Card account online, I discovered that they did not give me 5% discount in some online orders. Be careful when you use Target.com to shopping. They have two systems - Target website and Target Red Card. When you are shopping, you are purchasing through Target website. They charge you in another system call Target Red Card. The charge you see in your shopping cart normally doesn't match the charge in Target Red Card. I don't think anyone has the time to compare the charge side by side when you sign in to two websites side by side. It is hard to compare since the Target Red Card didn’t display the item’s name you ordered in Target website.

July 27, 2019 I mailed a check paying in full the $900 balance. The check cleared on August 5, 2019, but never went into my account. It's now September 4, 2019 and I called to have them say they found it a week ago. Where was my phone call? Were you ever going to tell me you found it? Thank you to the other RedCard customer who was honest and reported the payment wasn't theirs. But come on, why wasn't TD Bank even trying to look?

I looked at my Target account online the day before the billing cycle closed and entered a one-time payment to pay the balance in full so the statement would show a $0.00 balance when it cycled. I entered the correct 9-digit routing number, and then entered the correct 12-digit checking account number - entering the 12-digit number two times, as required. The payment system will NOT let you enter the same routing number in the account number field, and the two account number fields have to match exactly before it lets you continue to the payment amount field. 5 days later, I received an e-mail saying that my payment was returned marked "Account not found".

After attempting to place an order at Target.com, the fraud detection algorithm used by Target flagged my account, and my card was restricted. Calling the fraud department to remedy the situation was a total NIGHTMARE!! More than a week later, after numerous calls, and after faxing much more private information than I feel comfortable sharing, they claimed to have lifted my restrictions. Only problem is they did NOT lift the restriction! I still cannot use the card, and they keep giving me a runaround ending in "okay, your restriction has been lifted". "Yes sir, really, it is lifted this time!" No, it isn't. Still. I'm taking my business elsewhere, they can rot in retail hell with Toys R Us, Sears, and countless others.

I've been a Target Red Card customer since 2003. Over 100 payments. Never late. Always on time. Paid them off. One time, I make one human mistake. Target quick to charge me a $27 returned payment fee. I've made you guys richer by using your card and you can't help me out this one time for a human error. WOW! Bye Target, I guess I'm now shopping at Walmart.

I have had a Target RedCard since 2003. Never had a problem until now. I made a larger payment than usual and brought my balance to $0.00. That was back in April. I wanted to use the card again to save 5% at Target, but now, weeks later, the available credit remains at $0.00. It was embarrassing to have my card declined in the store, when I should have had over $3,000 of available credit! It has been more than two weeks now. The payment cleared my bank on day 3, and Target still hasn't processed my payment. On one phone call, the representative pretended she couldn't hear me.

I paid my credit card slightly larger than usual, $150 to $450 to use on vacation instead of carrying cash. Target is refusing to change my availability from ZERO. It’s been 14 days, 1 phone call, several emails. They keep insisting they want to CALL MY BANK??? I've never they can go to HELL. In this day of age, my payments have always cleared for 16 years same checking account. But in December they raised my limit by an extra $1000 but won’t credit my $500 payment. I don't have excellent credit but I'm not horrible either. My husband is furious, as am I. I hope their stores close!

I ran into a financial problem during the holidays and was late on my Target card payment; I set up a payment plan with them to get back on track. I have had nothing but problems with it since; they keep saying my bank has returned the payment even though it is the same bank I have used for close to 10 years. I even switched my account to my savings account to see if this would rectify the problem, it did not. I called them again and was told that due to my non-payment (what???) they were closing my account and I had to pay double the amount I had been told to pay. I explained this was unacceptable and I wanted to speak to a manager; I was told a manager would call me back, no one did, of course. I received an email survey asking if I was satisfied with my issue; I said I was not and would like a phone call...no call. I have written emails to two corporate executives about the situation and still have not heard back. Unbelievable.

I've had a Red Card for a few years and was never really pleased with it. The items for sale seemed a bit expensive, and when I fell on hard times unlike other creditors, Target would not work with me on payment/late fees. I called last month to close out my account, pay my balance in full and be done with them once and for all only to get a bill in the mail today. I was extremely confused, so I called. I was informed that this was for a charge the month before I called and paid my balance off? Umm, ok. So I asked... "When I asked your representative what my total pay off balance was she left off a charge from the previous month?" She was aware of my wanting to be done with Target and this awful card. She never mentioned another payment, another bill or anything. She dropped the ball! I was not expecting another bill, and with good reason!

We had no problems paying our bill until they closed the store near us. Their bill due date had no grace period so it had to be paid by the exact date it was due or they would add a 25 dollar late fee onto your bill. At the time they had no pay by phone and their company had already been hacked so using the internet to pay was not only a bad way to pay your bill but you also needed to use another credit card to pay using the internet. That only left two options for us to pay our bill. The first is to go across town to another store to pay it and when my husband worked 2 jobs finding the time was almost impossible. The second way was to send it by mail and cross your fingers that it gets there before they added on their high late fees. It wasn't long before the late fees they kept tacking on our bill got us to where none of our principal amount was being paid.

So, like everyone else here complaining about their REDcard experience...I set up online bill pay with all of the correct banking information. Bill comes in March, I pay it off completely. Bill comes April and is ridiculously high. I go online and check to see what's going on...and sure as everyone else here...they returned my previous months bill! No notification...just a 90pt credit hit. I call to pay the bill online...very rude customer service btw...one person even pretended that they couldnt hear me and hung up. It's crazy that a big store can operate this way, extorting their customers that are trying to pay their bill off. Paid my bill off in full with cash instore...two days later the payment hasnt even posted on their site...smh...into the shredder you go target card...nothing but a big sham!

I’ve been dealing with this claim issue for over 2 months now & have spoke with several people about it. I received letters stating claim was closed in my favor but when I speak with someone on the phone they say I owe them funds, not to mention some were extremely rude. I no longer trust this company, everyone I speak with is saying something different which makes me feel uneasy. The way they do business in regards to charging the card is unorganized & the only reason I placed these specific orders was that was the only way to get the gift cards. This company is losing a 6 year customer. I’m told they charge the RedCard when orders are placed now & when items are taken from shelf, that’s untrue because items in my order were out of stock, yet I was still charged. I recently was diagnosed with a debilitating disease & don’t need this added stress.

Since they updated their log in interface almost a year ago (I think) I have had nothing but problems logging in. Every single time I try to log in they make me reset my entire account putting in all of my information card numbers etc and then reset my 3 security questions. I have written down every single question and password and make 100% sure I enter it in correctly and they still boot me instantly. It’s not like I enter it incorrect and they let me retry like every other site, as soon as I try to log in they decide I need to reset my account. Even though I’m typing my exact passwords and answers. I’m so done, will pay off and cancel. Been a member since 2013 but I’ve had enough - and apparently hundreds of others are also having this issue. There are tons of forums on it.

I got this card back during the holidays as it allowed me to get 5% off the purchases. Never had an issue, and always paid early. Took forever for the payment to post, and had to call customer service (whom conferenced in my bank) to verify payment. I then made a payment recently, had the account setup correctly (so I thought) and paid off my card again. However, no notices, no alerts, no notifications. Just started getting calls that my account was past due. Thinking it's possible spam, but just in case, went to look.

I applied for this account November 2018 and my first time using it was 3/27/19. I waited till the purchases showed then tried immediately to make the payments as I made purchases. Which were showing as not going through so on the 4th time I checked all the numbers and apparently I put the account numbers in wrong and I fixed it and paid in full on 4/8/2019. Yep 12 days that’s it and when I called. They said they shut my card down permanently. There is nothing they can do about it. So the credit score I have built up they have lowered by shutting my account down for paying my account balance early cause even as of this moment there is no payment due till April 19th 2019.

I love Target and was trying to build my credit, I have another card through Hot Topic. Never had an issue. Target kept kicking out my payments without notifying me, apparently because my bank info was not correct. Which it is because I use the same info for my Hot Topic card. Well since I didn't know they rejected my payment I racked up a higher bill than needed and it lowered my score. Paid it off, still hasn't been reported to any credit agency. Had to drive an hour to Target to pay it and even that was an annoying process with poor customer service.

I was a regular shopper at Target until we decided to get a Redcard. Target employees both on the phone, and in the store are rude, unhelpful, and ridiculously lacking in professionalism. One will tell you one thing, the next will completely contradict the other. Done with Target.

I paid my Target Red Card payment of 11.20 which was the entire bill. According to Target they could not retrieve the money from the account. I asked them the account number and it was not mine. I asked them to show me where that account number is on my bill. Shelby from Dispute Resolution said she couldn't. She said the account was deleted from my account already. I informed them that was not my account and according to my bank you never tried to retrieve the money. Target charged my 27.00 for a bill of 11.20cents. They had the wrong number. They can't prove it and they are taking advantaged of a 73 year old disabled Senior Citizen on a fixed income. What horrible customer service. So my entire bill is up to 38.00. This has to be against the law.

Every time I try and log on to pay my bill I have to reset my username and password. I'm entering everything correctly so I know it's not on my end. It takes forever to pay my bill - very frustrating!

They take your payments but refuse to update your available credit for literally WEEKS - if you make an extra payment, like I did - they punish you. I've had this RedCard since 2006!!! Given the recent decline in customer service - and the shoddy management of this account - I am no longer going to use this card. It will be paid off ASAP so I don't have to deal with this crooks.

I LOVE Target. And in certain circles. "Tar’ga”, like an exclusive Boutiqueago. My Redcard Debut card bounced so many times due to delayed withdrawals from my checking account. Please investigate this problem, as I don’t have unlimited income at my disposal. Am speaking for my finances, am not as fortunate as others. Please look into this, it’s the only Con I have for this Company, The Pros are all the innovative designers at a fraction of the cost of the high end departure stores and Boutique(s).

Target seems to hold your payments on hold for ridiculous reasons and length of time. I called 4 times and was told the first time the payment would be cleared the next day. It didn't . I called the next day and they said it would be another couple of weeks. I called today the date I was told they would clear it and was told they need to call my bank to confirm it cleared. OMG. Are you kidding me!!!

We had the card for 11 years with no issues. We did not receive a statement in November or December of 2018. They never requested payment. The card stopped working so I called them and they claimed we were delinquent. We immediately paid the balance in full ($638). They reported this as a delinquent account and lower my credit score by 80 points. If you read the reviews, this seems to be a common complaint. They cannot/will not send electronic statements, I didn't believe it myself until multiple of their representatives told me the same thing. You are required to log on and check.

Target pushed us into a 5% red card, which is fine, we went for it but after 6 months the card failed to work at the registers. The card has an 800 number on the back but when we call it asks for the last four digits of the card. **, "Sorry we don't recognize that. Please try again. ** - "Please try again." Enter the full number **, "Sorry we don't recognize that, please try again." The website offers the same experience with NO WAY to reach a human. Finally after mashing 00000000000000000 #### I managed to get a human. After 5 minutes I was put on hold and disconnected. What a joke. Never shopping here again.

THE WORST painful experience with a credit card. I have perfect credit, pay every bill for 50 yrs. This card demanded I fax, where anyone would have my information unshredded, then my bank statement, social security card, utility bill, etc. to authorize me??? This is unacceptable. All I wanted to do was pay my first charge of $400 bill before the statement arrived. They could not "authorize me" because I had a Comcast telephone number??? Why? All I wanted to do was pay the bill. Since they would not authorize me, I could not use the card to gain my discounts. So, I wanted to pay the balance of $14 and cancel the card. Fraud dept refused to allow me to cancel the card!!!...until I sent them my "documentation"...all those highly personal papers I just mentioned that they do not have a right to. I was screaming; I was crying on the phone. This should be reported to highest levels of banking. Is this a side scam???

I used my credit card that had a zero balance for an Uber ride and was charged $8.00. This was in October of 2018. They sent me to collections in January of 2019 for this debt, and my credit score dropped well over 100 points. Ridiculous!

Took out a cash advance and was told as long as I pay the cash advance amount in full there will be no extra charges. When I reviewed my account a year later and did a deep dive into the interest charges I realized they were charging me an added interest charge. Fairly small enough so that it went unnoticed for that amount of time. So when I called again to clarify, they stated “make a pymt in the amount of what is owed and place a note on file as to the specifics of the charge, then that would clear out the added interest”. However when I re-evaluated after payment posted, I called and had to ask for a supervisor. She stated that was NOT the case and the whole balance had to be paid in full (which included additional purchases) and then the account would no longer accrue the additional charges.

In order to log in onto their website, you have to make a phone call and wait on hold, because their security question thing doesn't ever work! After calling and waiting on hold, and only if you are the authorized user on the account, they will give you a temporary password to log in. Once you finally get logged in, you will be required to change all your security questions before you can do anything, and then create a new password. The same goes for trying to sync this account in Mint. Never had this problem with almost 100 credit cards I've had over the years. Just going to shop somewhere that understands how to make a credit card work!

I tried make a payment several times via call them or through online payment but they asked me to call them back or block my account to not me to pay on times every time. It charged me a huge late fees. It was really sad and desperated. Please investigate it and help us. Thank you.

They make you jump through 20 hoops just to make a payment. I like all things Target but this product is horrible. I called to find out when my due date was and I was told I was already late! I would not recommend this card to anyone.

Was a Target RedCard holder for 11 years - and a great one. Spent ten of thousands at Target over the years. In Aug 2018, I had my card completely paid off. Told my kids not to use their cards that connect to my account anymore. I had had issues with the card triggering fraud alerts and Target/TD Bank placing the card on hold, yet never contacting me to tell me it was on hold, then going to Target loading a cart full of groceries, trying to check out, and being declined. Then I would have to use another card and not receive my cartwheel and 5% off - thus ruining the savings I had planned. It happened more than three times, and I was disillusioned. In fact, I was going to close the card in August, but I knew doing so could lower my FICO score, so I didn't. Boy - that a mistake. Ugh - hindsight!

I have problems logging on every time and then two of my payments were not credited to my account and they sent me to collections. Worst yet all computerized. No human being to talk to. This is the worst and now they are ruining my credit!

Hello -- The bottom line is that they cancel your credit card (the REDcard) if you haven't used it for six months. This seems like an unwise business practice if it is intended to encourage return customers. It is also irritating as I ended up changing passwords on my still active REDcard online account only to be told my PIN was wrong. When I got to the store and asked what was wrong (since my PIN WASN'T WRONG), the telephone service said that my card had been canceled after six months of non-use. I asked them to turn it back on and they said I should reapply. Totally not worth re-applying, especially with the six-month rule. My interest in shopping at Target has now decreased.

Awful since they "updated" the experience. I haven't been able to log in without changing all four of my challenge questions despite having the correct username and password. I have no idea what I owe or when. AVOID THIS SCAM. NEVER opt out of mailed statements. Never assume they have your best interests at heart.

Since their site "redesign" and "update" I have been unable to log in 2 time without being forced to reset all of my security questions. In addition this new system does not play nice with either of the bill pay solutions I usually use making it even more annoying and inconvenient to make the payments. I will be paying off the remainder of what I owe them but have already destroyed the card, I have no intention to continue using the busted payment portal any longer than needed and I would recommend that nobody subject themselves to it.

Since Target started a new online system in September, we have been getting locked out every couple of weeks. It takes 15-30 min. to get service. They let us back in, but we just get locked out again. The person I spoke with today did not see any history on our account, and had no record of anyone ever speaking with us before. This problem clearly needs to be escalated, but I have not yet found anyone who is able or willing to do that. By now, I am pretty sure that this is the worst Customer Disservice experience I have had in the 20-odd years of online credit-card accounts. I would certainly warn others against the Target Red Card.

The card is not that beneficial and has so many different ways to try and make the consumer pay extra fees any way possible. If you pay online there are ridiculous hour restrictions to have your payment processed. The phone payment automation is ridiculously annoying (and has hour restrictions, as well), the customer service for the card is also not helpful at all, yet they set inflexible restrictions on online payments. They are impossible! Even to get through to their unhelpful staff it is the most annoying process I’ve ever gone through compared to any other company I’ve ever called. They stand well above any card or company in terrible customer service! I wish I could rate it zero stars.

Tried to contact "guest services" about a bill I never got and now I have to pay a late charge. No one was available, hours are from 5am to 7pm CT, it does not say this ANYWHERE on the website. Tried to cancel my card, because who wants to deal with a company who does not send a bill and then charges a late fee, and you cannot do it except over the phone during the above hours. Lame.

I have been a red cardholder since 2011. On two occasions now I have not received my e-statement and when the next statement comes, I have a late fee assessed. I have never been late on any payment (when I receive me e-statement via email!) When I called to question why I never received my e-statement, the response I get is, "Well maybe it went into your junk folder!" My response, "Well why is the statement I just received five seconds ago not in my junk folder." After the first time, I assumed it was probably my fault, an accidental deletion on my part. After the second time, I now know this is just a scam on their part to collect late fees.

It seems that I am not the only one to have had a problem with Target. Many are the same problem accompanied with lousy customer service and not getting problem resolved. I tried for over an hour and kept getting transferred for a total of 5 people. Never got to the 5th one cause was disconnected. I was charged for a gift card that (electronically) never received. I was charged when it supposedly transmitted. I waited for well beyond the suggested 4 hour wait time. I called customer service and was told they are having trouble with the links and the only thing they could do was issue a credit.

I was a customer for a long time with this company. I ran into an issue with them recently regarding my online account which affected my credit account. After multiple messages, they showed no concern for my issue nor tried to get more details to try to resolve the issue. They just did not care. I was very disappointed with this company and expected better. I unfortunately decided to close my account after experiencing this horrible service. They could've done so much better but failed and lost a customer.

Signed up for electronic statements but never actually received them. They just kept assessing late fees. I had a couple removed but they forgot again and was assessed more. Tried to call customer service but could not get through to a live operator, I finally figured out that if you repeatedly press 0 then a live operator will answer. That was not helpful at all. I paid in full and closed my account but was told that I would be assessed interest and would still need to pay that. On 0 balance I will have interest which I will probably forget to pay and it will go to collection. WTF!!!

The worst customer service you could possibly get, I got charged a finance charge on my card and I called customer service, after 20 minute wait time first time whoever answered the phone hanged up, so we got disconnected. I called again and 12 min been on hold. The representative was worthless, I am explaining and you could see on my statement that returns were made and payments were made. The balance should be zero so there is no finance charge should be on my credit card. I always pay in full, never carry balance. Again, if you can avoid using this credit card please do so, as you will get financed charge doesn't matter what, do not use Target REDcard.

It is always hard to log onto Target site to pay the bill. But today, I was not able to get on at all. It will not accept my logon and password. I have not changed info and I have always had a difficult time but this is too much. I am going to the store and pay off this weekend and close account. I fear it will cause me to be late or credit reporting issues and I am not having that because Target chooses to not have an easy way to log on to manage my account. I wished I could have given no stars at all. Bye Target!

Same experience as post on Sept. 20. Redcard claims my sister's routing number was wrong. No papers to show their mistake. This is a scam, charging people a fee they don't owe. My sister's bank said there was no mistake with the routing number. Redcard is fraudulent. Customer be aware, your credit score goes down when you get their card. No tangible proof of routing mistake. Your mistake Redcard money will not be paid!! And to say that they cannot clear their mistake, really...

A week after I went school shopping at Target I paid off my Target Red Card balance online. I never received a notification that the payment had posted. So a few days later I checked my account to find that my payment HAD posted. So I decided to check again a few days later to be sure the balance was updated. It was not. So I called the customer service number and after asking the barely English speaking employee if I could speak to a manager Jessica, the supervisor, tells me it’s a problem with the bank routing number. So we rectify the issue and I pay off my balance... again. The next day (today) I receive a notice in the mail telling me that my credit card account has been CLOSED. Yes, closed.

I attempted to change my checking account when moving and it apparently did not go through - I was never notified that it did not go through and they ended up drafting my old account that I was in the process of closing. I did not receive normal notifications that they were charging my old account until 4 days later! Every time I have used my RedCard, I receive a notification almost instantly that the $ is coming out of my account.

I made a payment a day late and they ended up charging me a late fee. I completely forgot to call them to see if they could waive it for me. Ended up getting charged 3 late fees and interest on top of that ($100) and I just got a call from them today! They didn't send me any notices or calls before! They didn't even try to help me with it! I ended up asking to close my account and they did in just a few seconds. I've been with them for 9 years! They don't care... totally heartless! Do not get this credit card!!!

I have been a REDcard holder since 2005. I use the card frequently, pay in full monthly, and have it set to autopay generated from Target's end so I haven't encountered any issues with late fees. In short, I've never had a reason to contact Card Services before. I am in the process of securing a mortgage. Like I mentioned earlier, I use the card frequently. Last month I charged $19 on the account, with a minimum payment of $19. This came up on my application for the mortgage, it didn't show that the $19 was not still outstanding. The underwriters requested a zero balance letter to include with my application. I didn't think much of it. How hard could it be to get that? In fact, I had to request it for my Sam's Club Mastercard as well, which I use for groceries but pay in full each month and that was a breeze. Not only did they send it to my lender, they also dropped a copy of it in the mail for me.

24.15% and have the credit card and change banking institutes. They don't notify you until collection that auto-payments aren't going thru even though you updated account info on debit card. They don't connect more too. They contact you until they've done damage to your credit rating... Suck on Target Red Card!!! You'll not get another dime of interest ever from me.

I received a call saying my account was compromised but they would not give me any information. They asked for very personal Id such as Social Security card and driver's license front and back. Every time I faxed info they would add more than they wanted to see. The company must be very small as I kept getting the same arrogant people who were of no help. My account was frozen for no reason and no way to straighten it out. It’s the worse company I have ever dealt with in my life and I don’t see how they stay in business.

I used my bank’s online payment to pay my Target Redcard in the amount of $44.05 in January of 2018. I received my statement in February which stated I owed $44.05 plus a substantial late charge. I contacted Target Card Services and filed a merchant dispute. It turns out I sent the payment to an old Target Credit Card that I no longer used. I opened a new Target Card last Christmas to get the discount on a new purchase. I agreed that I made an error but Target still cashed the check. This has been a nightmare. I have been going back and forth between my bank and Target Card Services since February of this year. My bank has submitted documentation to prove the money was sent to Target several times but Target still insists they did not receive the money and sends me another bill. Target insists the money was sent back to my bank but I never received a credit to my account. Very unprofessional. I will never use the Target Redcard again.

Horrible customer service policies. I submitted my payment over a week in advance just for them to charge me a $10 fee for returned payment. I caught the issue early enough so that I could still get them the funds before the due date and they weren't willing to do a courtesy one time waiver. For doing business with them for over 10 years it's unfortunate that they lost a customer over a $10 fee even though they still received their payment before the due date.

Ok so you can be awesome pay your card on time for YEARSSS and then you mess up by paying a few days late (like I did in July 2017 due to a death in the family) and pay right away and ask for late fee of $35 to be refunded, which they said they would after chastising me like if I was a child. THEN here I am March 2018 and again I paid ONE day late, yes ONE day I have a lot of things going on and no Target is not the only card in my life so I call them ask them to PLEASE credit me $35. I use their card all of the time, my husband has one as well, they get more than enough with the interest fees etc. and they say NOOO because I was already credited once in July of 2017! I'm like ok... Well sorry things happen, I speak to 2 different people, message, etc and they REFUSE, I've never dealt with a company like this! CHASE is super understanding, I recommend Chase Freedom card!!! Screw TARGET!

Please check your Target.com Red Card bills. They are overcharging the amount that you are given at the time of purchase. Their bill is set up to confuse you with numerous odd amounts for each item you purchase. I was supposed to get two FREE $5 gift cards with purchase. I was charged for them and also was charged tax! When I called them, they said the cards were charged but the amount was adjusted - it was not. When I asked about the extra money I was charged they said it was extra tax. Huh? For what? They can't account for the money either and I argued four times with them. If they do this for every Red Card customer every month imagine how much $ Target is making!

In November I made a purchase and again in December. Early January I received a call that my account was past due. I paid it in full while on the phone figuring I must have missed a paying a bill. Just last week (March 2018) I got a call that my account was 3 months past due. I have not received a Target bill at all and have not used my card since December. Looking into it more, the past due is from a Dec 20th purchase - so when I told them to pay my balance in full over the phone, they left out a purchase I had made 3 weeks prior since it was not "due" yet. So, was charged $38x4 in late fees since November of 2017 without actually receiving a bill telling me that I owed money. They did refund 2 of the late fees but claimed that is the most they can credit back. They also had the ridiculous suggestion that I call regularly the check on my balance. I cancelled my card and will only be using Target as a last resort from here on out.

I purchase an average of 1 item a month online from Target and have paid my credit and balance on time, in full every month. I have a current balance of $138 due to be paid in 8 days. I'm trying to purchase a $90 gift from their gift registry and it won't accept my REDcard as payment. After much time and numerous phone calls I found out they have a credit limit on my account of only $200. So until they receive my $138 payment I can not purchase this gift item. I have a credit score of 820 and called Target credit and asked to have my limit raised from $200 to $300. They told me they would submit the request and I will receive a letter from Target to let me know if the additional $100 will be allowed.

I use this card but I try and make payments in full at the end of the month. Each time I do, Target holds the payment for 15 days! Each time I've had to call them to "release my funds early" so that I can use my credit line. Each time I've called or emailed them, its a very different reason why they do this (and mind you, it's the only card I own that does this). They claim it's for fraud protection. In case people make a payment to the wrong account (wtf? so everyone has to be penalized for those few?). They claim it's because if it's a young account, they don't have a history of payment established yet. This is the real shady answer - They say they do it for all for protection but they recommend not making a payment as large so that the payment is not delayed... most people adjust. WTF? So don't make a large enough payment so you can accrue interest?

On February 1, 2018 I scheduled a payment on my banks online bill pay section for my Target REDcard for the total statement balance of $1,136.18. The payment was scheduled for February 6, 2018, and my bank delivered it on time. On February 7, I noticed that the amount had not been debited from my checking account. On February 8, 2018 I checked my bank account again, and when I did not see that the payment had been debited, I called Target REDcard services, and I spoke to a representative who told me that they had not received my payment. On February 9, 2018 I called Target REDcard again at 2:32 PM, and I got the automated system which indicated that no payment had been made and prompted me to make a payment over the phone to avoid a late fee because my due date was on Sunday February 11, 2018.

I have spent the last 2 years, 2 times a month calling and talking with Target credit card services because they have completely destroyed my credit and have charged me beyond imaginable from mistakes they have made. They're even dumb enough to tell me they looked back in the notes and saw that the last person clearly specified in there that they were doing something they weren't suppose to and then they go and do it themselves and it's literally a never ending cycle or ** not having any clue what they're doing. I will never shop at another Target again and I surely hope they go out of business just because of how completely stupid everyone working card services is.

I did not receive the Red Card in the mail, so received a cryptic email telling me to activate my card and to call a specific number if I had not yet received it. When I called that number, the automated voice on the line repeated the request to "enter my card number" 28 times. The only reason I waited 28 times to hear that message was that there was literally zero customer service number on the web that did not request me to enter my card number so I could ask what was going on.

I paid my card in full online each month. One month they processed it a day late and charged me a fee. I was never sent a notice of the late fee. They kept adding late fees each month until they finally sent one to me on the mail! I paid for all my merchandise and somehow now have 148 in ONLY late fees. This is absurd as I paid the first late fee even though I don’t believe it was in my control they took my payment a day later than scheduled. Called so many times and they haven’t helped at all. They twist the verbiage and type incorrect comments in your account. Worst customer service next to Xfinity and Comcast...

I bought $400 worth of items at Target Wareham, MA but I did not have my Target REDcard. The cashier told me I could go to any Target same day and get the 5% back in my account. So I went to the Marlborough, MA Target with the Redcard and receipt and they promptly told me that I needed to go to the original store of purchase to get the 5% back. What gives? Same chain, same system, same everything, just a different location. I don't know if this is store policy, technology limitation, or clueless workers, but what a joke. IF YOU HAVE A RED CARD, MAKE SURE YOU HAVE IT WITH YOU AT TIME OF PURCHASE OR THEY WILL SCREW YOU. Just a word of advice. Signed, screwed and really aggravated.

I initially had pleasant experiences with my Redcard customer service. Then I had the misfortune of a 2 month period of unemployment and 2 missed payments. My attempt to work out a payment plan did not go well as the customer service rep was rude and unhelpful. It is on me to make payments on time but my experiences with my other credit card companies at least provided me with suggestions and possible solutions. I should have listened to one friends, who previously worked at Target, who warned me not to fool with Target and their Redcard.

My card was locked for insane reasons. I sent over faxes to clear it up and they said someone has been calling who isn’t me. Which I know is untrue I’ve been calling to check on everything. I’m a loyal customer since 2009 and this is how I get treated very unfairly. I will cancel my card and never pay a dime since they won’t help me. I’m not doing squat for them.

I'd give zero stars if allowed. Calling the various customer service phone numbers, you're prompted to enter a card number 6 times before being given the option to report a lost or stolen card. Very few people would have the patience to be prompted 6 times. This is clearly an intentionally malicious obstacle. Alicia was my customer service representative and was entirely helpful. There were no problems or difficulties. I don't know why Target's phone service needs to prep customers to feel rage before connecting them with their employees.

I thought I was applying for the record that came out of your debit account. I received no late notice from this company. When I noticed a 60 past due I called the company to let them know that's had not intended to apply for their credit card. Paid the original charge and interest but requested a waiver of the late fees. I was told they do not waive late fees after 30 days which makes no sense, how can you encounter late fees if you aren't past due? I requested a supervisor and was told one was not available and to correspond on writing. I sent a letter with no answer. Keep receiving calls that another late fee has been added so at this point I'm being charged $40 every month for late fees!!! They make no concession to help with the fees at all!!!

I have not been able to access my Target account at all. My card was paid off. Target will not remove fraud charges and each month they send me statements adding more charges and creating huge sum of money due. In fact they added different charges which made the card have a higher balance than it did when this fraud started back in April.

Website appears so broken to me. Always locked out of my online account. Supposedly I need their security but I do wonder if it isn't deliberate. My nightmare! Spent over an hour two days ago trying to reach someone to unlock account. No clear option on menu. Twice a person I reached put me on hold and call cut out. Now I'm a day late so it hurts my otherwise excellent credit. Target you suck.

Target payment was the last thing on my mind during Hurricane Harvey preparations. I made the payment at 10 pm on the day it was due and Target considered it as late since it was after 5 PM. I did not know that anything after 5 pm was late. So I got a late fee tacked on to my account which was unaware of since I assumed it was zero. Then September came around and they tacked another late fee on because of previous month's late fee balance.

Target; The worst (card, website login, account alerts). Target has the worst website, login and account alerts. I always pay my credit cards way before the due date and always "current full balance" not even the last statement balance. I paid over $114 for a purchase of $19.00 and actually after it affected and brought my credit score down. I found out that there was a purchase and they didn't bother to contact me, instead they contacted credit bureau that my bill hasn't been paid for over 4 months. So my Capital One & Citi Bank sent me emails that your credit score changed when I tracked it down, I found out I forgot about $19.00 purchase. So I paid $19+$114 immediately switched to the paper statement instead of the paperless statement and shredded my Target Credit Card.

Opened a Target card maybe around 2013/2014. Would use the card as needed and then pay via website. No major problems other than the ** time you have to pay by, (as long as I pay on the due date, who cares if it's after 6 pm!). Problems began in 2015; was having some medical issues and was not fully invested in my credit cards or paying tons at the card due to co-pays etc. associated with multiple dr visits. Balance was around $700, I go to pay my card online and am greeted by a prompt to call said number and unable to make any payments via web. Call customer services and I was sent to collections, yes I paid late. However I was more concerned with a possible cancer diagnosis than a pathetic Target bill. I was told collections would contact me. Months pass, I get a really shady letter from a debt collector out of NY.

This past May I received my first Red Card bill. It was a little over $100 and I paid the whole amount within a few days. The next month I received a bill that included interest and a late payment fee that was more than one third the original bill. Thinking that I must have forgotten, I immediately paid it all. But when I checked my records I saw that I had indeed paid the first amount of time and my online bank statement indicated that a payment had been made to Target. I called Customer Service and after several relays I was finally connected to Crystal, to whom I explained the situation. I gave her my bank's phone number but the bank was closed for the he day so she said she would call them the next day to verify this.

I open my REDcard 2016, my minimum payment is always $27 to $37. I pay monthly $100 more than the minimum, I used to go to the store to make my payments but doing it online was more convenient. So I open the online account so I can make my payments directly from my checking account, I guess when I enter my bank account, I miss type the last number of my checking account. So when I process my first payment online it said your bank will reflect in 2 business days and I was ok with that because I knew that it takes time, so I waited 2, 3, 4 days. I called REDcard and they told me that the $100 payment was returned, and that was the reason that it was not reflecting.

I applied for a Target Red Card (store card) online and I got a phone call from Target Financial Services about the application asking me for my birthday, my address and how old I am. How strange. I called back the number and was told by Ashley that I have been approved and the card has been mailed to me but in order for me to use it I need to fax the front and back of my SS card, the front and back of my license and a utility bill. How strange that a company issuing a card should ask for sensitive documents. I called again and I asked them to cancel the card but was told that they cannot do it. I told the person I am going to report to the FTC about their practices which I did.

I received a Rejection letter from Target Red-card thanking me for my interest and that I am Declined. I never applied for this card. Every time a Target cashier asks me if I want to save x amount by applying for their card I answer: NO. Also the reason they list for my rejection as it lists on the letter is: FICO: 912. Who gave them permission to process me for a Credit card?

Not only is Target saying I have 4 late payments, but they are also reporting that I have 2 identical credit cards with them. This means that 2 high amounts and 8 late payments are being reported to the credit bureaus. I have written Target and TransUnion multiple time to get the other card off, but got denied. Target has admitted that the card was the old card without a chip and not a separate account, but still won't report it correctly. They refuse to help me with taking the 4 late payments off. They were late due to having a set amount taken out and not adjusting it when the payment went up. Terrible card.

All they want is the money. Customer service reps are robots, and I spoke with 2 of them. They simply don't care, won't work with you, dishonest and heartless. This was the case even when you said you'd pay the whole thing off; even when I threatened to close my account. They just wanted the money. We're talking about $65 of purchase over 2 months; with 70.00 of charges (2 months late because I thought it was the regular red card withdrawn from my bank like I used to have).

I switched bank accounts and had my account on auto pay. Even though I updated my info and paid my bill early, they still drafted from my closed account. They charged me a $27 fee. When I called, the lady said it was just good business practices. I paid my account in full and closed my card. Losing customers over their mistake.

Information requested for over a year still not sent - In the summer of 2016, I received a phone call from a collection agency regarding an outstanding bill due to Target on their CC. I did not remember opening a card in June of 2015 and before you all scratch your head, between May and July, my husband divorced me, sold our family home, I moved to an apartment, my mother was diagnosed with cancer and died a month later. Needless to say that time in my life was very hazy. So I told the collection agency that I don't recall this transaction, explained why (as mentioned above) and asked them if they could please send me a copy of the receipt so I could see if I actually did sign up for a Target CC. I explained that it could have been me, but I would like to see a receipt so I can hopefully recognize something on there.

I've never had an experience with a credit card bill quite like this. I tried multiple times to pay the bill online and the website kept freezing and then multiple times via phone and was disconnected or put on hold for over an hour. I got hit with fines and kept trying to pay and couldn't. I finally went in to a Target store to pay the balance but got a bill the next day with an additional fine (had already been in the mail). I finally got through to a manager who refused to remove any fees (even with full payment that day). I've never had an experience like this - trying too hard to pay a bill and feeling like the company was making it impossible to pay and then hitting me with fines for it. I'm really disappointed in Target and will be posting on social media about this. I pay all my bills on time all the time. I've never found it so difficult to pay a bill.

I had gotten a Target credit card after paying cash for years. We missed the first payment accidentally and when I got the second bill, sent a check which I came to find they never received. When I got a bill with all the extra late charges & high rates added on, I explained the issue, hoping they would pardon the charges being the first offense & that I was willing to pay the bill. The answer was an adamant no. It's not their policy. I've had this happen before with Kohl's & Macy's, both of which said, "No problem. We will waive the fees." I told the Target rep that it was horrible customer service. Here's your money, and you lost a long time shopper. Bad business. Never again will I ever set foot in that store.

TARGET CHARGED ME A $27 FEE for a stop payment which was done by my bank. I owed around $50 but bank sent in payment to Target for around $5000. It was a big clerical error but Target doesn't care but slaps on a big fee after I have paid on time over 5 years with them. I paid the original bill owed but then they still want to charge me the $27. After talking to 3 people at corporate, they won't take off the fee for nothing. My balance is half of the fee that was sent by my bank and they should have known it was a mistake.

Target charge me twice for the red card 5% off program. I paid for the products in the store. Have receipts to prove it. I ask customer service to refund my 5%. They wind up putting full amount on the red card when I ask them to only put the 5%. Customer service assure me that would fixed the problem and yet and still they are saying I still owe them. Target is very unprofessional about this services. Please do not use their red card. You will be sorry later.

I paid off my REDcard on April 12 (check sent on the 10th). On June 3, I received a bill for $86.97 in late fees - one for April and one for May. This is the first I've been notified. The statement closing date is on the 25th of each month. So my payment to pay off the bill was received by Target thirteen days before the closing date. I tried calling both numbers on the statement and got only a recording.

I have had a credit score of over 800 for years. Target Red Card has RUINED my credit score. I had a $29 charge that carried for over 75 days. I PAY MY BILLS AS SOON AS THEY ARRIVE. I never got a bill for the $29. The ONLY way that I knew my credit was in the tank was because I looked at Credit Karma since I am a senior and going to sell my home and move into a senior rental. NOW THAT IS A BIG PROBLEM. I called Target to find out what happened, why they didn't bill me, they insisted that they did. They said that I had elected paperless billing... OK, that would be fine if they sent me an emailed bill... THEY DID NOT. The Target representative told me it was my responsibility to look at my Target account online each month and make the payment. REALLY??? Then the person I spoke to said she couldn't help fix my credit but she could take the payment over the phone then and there. Hmmm... I use Bill Pay on my checking account.

I have never paid off things late. This has been stressing me for months. They gave me a temporary card number on a receipt. It deactivated after a week and I never received my card. I went into the store 3 times since to pay it off but they said they can't help. I've tried calling and paying but since I don't have a card it's only automated and no option to pay it without. I tried making an account online using my social or the date I started the card and both say incorrect when it shows on my credit report the date it was activated. They make it impossible for you to pay it off and it really hurts your credit score. I'm hoping I don't have to file a lawsuit but I'm pretty sure that's the only way to get out of this.

I paid off my Target account in the fall. In December, I ordered a new Target card but was not told they charge a $15 to get a Target card to buy goods at their store! I tried to get on my account to check it in Feb., couldn't access the account. Thought it was strange but I had completely paid off my account so wasn't terribly worried. I finally was notified by my credit watch group that Target had turned me over to the credit bureaus for this $15 fee they charged me, that I had no knowledge of. They never tried to contact me or notify me but have turned me over 3 times now and the fee is up to now $19.

Red Card. I was having trouble paying my bill. So they agreed to let me pay $22 a month. I came into some money and I went to the store and paid off the whole thing which was over $500. I called and made sure the card was closed. Even my credit report says it's paid off. They keep sending me a bill for $22 that has late payments every month. I tried to call several times about this matter. They won't listen still insisting I owe them now which is $70. I just throw the bills in the trash. Do not ever get a card from this company.

This spring my wife decided to get a Target credit card. We used it and was very simple to use like most credit cards, however when it came to paying the bill it was not that simple. I always pay in full for the entire bill the day it came in the mail, This happened for 2 or 3 times in a row and every time it was assessed a late fee of $27.00, what a scam with the billing department. I live in South Dakota and the billing came from Dallas, TX. It takes at least 7 days to get a bill where I live. Post dates are not looked at or even considered. So my recommendation is to pay with other credit cards or pay at the store at the time of purchase. Do not use Target Credit Cards at all. These billing agents can find another job by working hard instead of sitting all day collecting late fees...

Have a target red card and gave updated bank acct info for future payments. Somehow the person {rep} left off a number from the acct and first payment got returned. {Was not a payment due} So I finally figured out what the probLem was and corrected it online. Next payment goes through perfectly and they won't release the payment to reflect the accurate available credit. So I send messages via their Chat line. I can three-way call with my bank. I say now it has been nearly 10 days since payment made and cleared my acct. Finally after several messages they fix it.

I had to pay my statement yesterday and forgot. A few hours later, this morning, I was on the phone with a manager called Pilar. She said she was removing the late fee $27. Then, she change her mind and pretended she couldn't. Last time I was late was May 27, 2016 and I am always paying the statement balance in full. These people treat the client like dirt and have absolutely no respect.

I had closed my account with Target years ago and have been paying down on my REDcard. I decided to combine this account and another to pay off but I was not able to get my account number. So I can't pay it off. I am very very frustrated with Target. I will not shop at Target again. I think I have found a way to be able to pay it off but wont say now. I will let you know if I succeeded.

I have had a Target Red Card for awhile now and have had nothing but problems with it. I heard it was so great to have and would save me money. It's been nothing but a pain. I was unable to change my address when I applied for one and so the first one got sent to the wrong address. After that it took them forever to send me my new card and my first bill. I couldn't set up an online account because I didn't have the new card. I was told after I got the card I would receive my first bill. When I did I had a massive late fee. I paid it because it might been the fault of the post office rather than Target.

I paid my card in full, apparently after the "cut off" time. I was then charged a late fee on a $0 balance. And then the following month I was again charged a second late fee because of the balance due to the late fee. The kicker is that I never received a statement until after both late fees were assessed. I also never actually received my Red Card so I couldn't setup online autopayment or even create an online account. The statements were not being mailed consistently either. Target - I hope that $33 fee was worth a lifetime of my spending, because I will never shop at your store again.

I paid off my REDcard balance but somehow it left an outstanding $5.00 that was different than billing date. Nonetheless I do not get a statement and nor an email. I went to buy a car and when my credit was ran my score was low for being late 6 months on a credit card. When I got home I ran my report and it was my Target REDcard. With $13.00 now owed, yes they charged $1.00 each month in late fees and reported it as past due. Needless to say I'm more than upset and sent them an email. We'll see how they correct this. I would call but some poor employee would get blasted with more than one colorful word. DON'T USE THIS CARD EVER. THEY SUCK.

2 deaths in the family in 1 month, tried to work with these people, set up a re-payment plan and they ruined my credit score! I had A+ credit, missed only 1 payment and yet my credit report shows 3 missed payments! I have sent letter after letter and they do not respond, they want me to call and I say no, I do everything in writing for record keeping! I will go all the way to the top of this company if I have to taking down anyone in my path to get this resolved! They care nothing for their customers at all! Just want your money that's it!

In December my daughter lost her Target REDcard. We did not have the account number, no online access and wanted to make a payment. One calls the number for Target's REDcard and it asks for the card number -- it is an automated system that does not allow one to enter their social security number instead. It offers nothing except for the option to enter the card number. Both myself and my daughter drove to different Target stores. The store staff cannot accept payment for the REDcard??? Why??? Other credit card companies allow one to talk to a human. Not Target. When I called Corporate I spoke with a series of rude, confrontational and staff not interested in my complaint. They treated me like a deadbeat. Avoid Target credit cards. They run the program like idiots.

Target's REDcard is the most horrible card experience ever. The company’s late fees start at 35.00, and continue to add on 50.00 fees. After giving them my banking account number after 3 months of alleged payments they told me they had the wrong account number and that I had late fees because of that. So I closed the account. When I went to pay them the full balance in which I got a reference number they called me a month later to tell me they had the wrong account number again. I have never been so frustrated in my life with a company. If they had let me know immediately there was a problem instead of giving me bunk reference numbers I could've avoided these fees. I see it as a hustle. They want you to keep racking up interest and fees so they can get as much as they can. I just paid them again, this time with my debit card, hopefully they take my payment and I never have to deal with them again.

I got a letter from Target saying they would take my Target credit card because I have not used it in a long time (7 months). I prefer to use cash. However I went to Target yesterday to PURPOSELY to use it. I spent $90 then forgot to use it! Dummy me! Any other time they ask me if I'd like to use my card. I don't use it cuz I always forget my password... how embarrassing is that?

I have had a Target Credit Card since 2009 - I recently logged into my account, paid my bill and submitted a question. My question was, "IF I lost my card, are you able to go to the store and request a new one, or would I need to report is lost and request a new card via mail." So guess what Target does, instead of answering my question, they shut down my access to my account online, block my freaking card, don't contact me in any way. So annoyed!!! Do I really want to call in and go round and round with some moron who barely speaks English telling me my card was reported stolen. I NEVER reported it stolen.

I was balancing my checking account when I noticed two NSF fees, processed within a week for a Target balance. I called my bank and was informed that my Target Debit card had in fact attempted to collect funds. When I called Target I was informed that Target had in fact attempted to collect funds for a purchase I made. This began a twenty minute conversation concerning the fact the Target Debit Card was in fact not a debit card but a check card and that purchases made could take 1-4 business days to process, because the card was like a check. When I explained that I was told the card was a debit card, ie. if the funds were not available the card declined, the customer service rep. told me I was misinformed.

After years shopping at Target I finally was persuaded to get a Target credit card, and it went downhill from the very beginning. The process did not take "2 minutes" as was promised. It took about 20 and held up the line for other customers. I was told that my receipt that day would serve as my card until my card arrived, in case I wanted to shop again. Lie #1. I tried to use my receipt twice and both times was told I could only use the card. My card never arrived. I called a month later and they said it should have arrived at my address in Texas. (I live in California and Texas.) It did not arrive either place.

I spoke to a Target representative to close and pay my Target Red card account. 8 months later I receive late fees. I call the customer service department to discuss what these late fees are about. I spoke to 5 people and each one said they will make a case. Every time I asked for a supervisor or manager I was referred another case number and advised I would get a call from a manager within 24-48 hours. A week and 3 days later I am still calling. Representatives are rude telling me why did I miss the call I was waiting for from a manager within the 24-48 hours. I finally get ahold of a corporate manager named Sarah and was very rude telling me that they will not help me with this account that was clearly closed 8 months ago.

I have had many credit cards and perfect credit with lots of $ in my bank account to pay balance in full which I do on all credit cards. I have never experienced such awful customer service with an issue. They fully know what they are doing and it is a scam! The same as everyone else's complaints, charged a returned payment fee of $27, after signing up for auto-pay online. They do not alert you until after the due date that there was a problem with your account setup. I thought maybe I made a mistake and put in a wrong #, which they should alert you to if that is the case. Then I resubmitted bank info and the same thing happened.

Horrible RedCard customer service. I paid my account online. I put my bank routing number and checking account number in to pay my bill. I have had 2 return payments and they put my account into collections. After researching, it is discovered someone else's bank account is now attached to my account. After 5 hours, several rude customer service reps, being hung up on, I am told the only way someone else's account info is on my account is if I put it there and they won't help with glitches in their system. There is clearly a glitch in their system but they refuse to look into it further and fix it. They explained it is not their system error.

After being a card holder for over a year I have made every payment on time but noticed if you pay your payment on the actual due date and not prior to they will still attempt to add a late fee. Simply dishonest!

I have had a Target REDcard for 5 years. My payment history is spotless. After having fraud on my bank account I closed the account and opened a new one. I updated all auto pay accounts I have. Today I got a text saying my payment was missed. After speaking with Jennifer who couldn't have been nicer I was told that even though they had my new account on file doesn't mean it's connected to auto pay. So why would they want bank information if not for auto pay. She explained it's a two step process, which of course tells you this NOWHERE on their website!!! So now I have a return fee of 35.00, of course they can't refund it, easy way to make money Target. As soon as I can I'm paying off this card, cutting it up and sending to their Corporate headquarters, not that they care as they're sitting pretty with all the money they're stealing from consumers. Shame on them!!! Beware of their unethical practices, it's not worth the 5 percent!!

I just want to leave some feedback about my, so far, negative experience with the Redcard. We got a little behind on payments when my husband was laid off early 2016 and was out of work for several months. We have been getting caught up and worked out a payment plan. Well, apparently, even though we are on a payment plan Target is continuing to tack on $35 late fees! My payment plan payments are on time, but the only response Target gave me was that I am still technically behind and they will continue to charge late fees until I'm no longer past due.

When I moved, I updated my address with REDcard over the phone. They read it back to me, and it was correct. One day, my REDcard was declined at the register, so I logged into my account to see what was going on. My account had late fees and interest charged to it even though I always pay the balance in full. It turns out that they changed one digit in my address, which obviously caused the next statement to never be delivered to me. A little research showed that there is an established pattern of Target making these "mistakes" because they know they'll be able to rack up a bunch of invalid late fees. The customer service reps are trained to do this. It is intentional, and it is evil. The people who run REDcard belong in prison.

My experience was very similar to many other reviewers. I have 2 credit cards besides this Target store card. Always pay in full ahead of time. Like previous reviewers - I didn't get a bill statement in November, so I made a phone call and was told that I have credit from returned merchandise, therefore do not owe anything. In December I received a collection note with a bill and penalty fees. When I called - I was also told the same: "we mailed you and didn't get your statement back. Besides, we can't do a thing since the account is in collections. I will look into a class action suit. Anyone wants to jump the wagon?

Over the past few months, my previous Target Credit Card had expired and I applied for a new card from the store to take advantage of the 5% off purchase rate. I made a number of purchases over the past 2 months and as had been previously the case, waited for my bill statement to arrive in the mail. Then during the past week, I finally received such a statement - only to realize that I was now delinquent for 2 past billing cycles and charged a late fee as well as cumulative interest. I immediately made contact with Target explaining to them that there was a big discrepancy with the overdue payments owing to my not being notified by them via the mail. Absolutely no consideration was given, barring the removal of the interest fees which were minute compared to the onerous "late fees" charged me.

I always pay on time for my Target Redcard Mastercard and pay off 100% of the balance. Recently I had a roughly $1164 balance and paid it off in full from my Wells Fargo Bank account on 11/14/2016. Almost half a month later on November 29th my card was declined at Target when trying to use it for the 5% discount. I had put maybe $300 of other payments on in the days after I paid the balance. My Wells Fargo payment showed it had been debited on 11/14/16 for the full amount of $1164 yet when I called Target Mastercard Redcard customer service they told me they had a "hold" on my card because it had a "big balance" since funds had "not yet been received" (almost half a month later?!).

I just need to change my address. I have called twice, been put on hold 4 times and I have been on the call for 30+ minutes and running. After reading the other reviews I don't think I am going to accomplish this simple task. Who can we report this to that would make the much needed changes here?

I ordered a Christmas gift last night for $176.00 online and was looking at more to buy but decided to wait until the next day. Let's just say the credit limit was $2300.00, but received a letter in the mail stating that I haven't used my card for a year and I would have to use it within the next 2 months or the account would be closed and my credit limit dropped to $200.00. I never got any notice from Target about this until it had already happened, glad I didn't make any other purchases or it would have been over the limit of which I knew nothing about. I'm guessing they don't want my business for I buy things when I want them not to just satisfy a credit card account.

I had the worst credit card customer service I have ever seen trying to reset my account password. They ask you for all the information and then at the very end say they can't process this at this time. This is just to reset a password. Then if you call their 1-800 system they again collect all the information and after many more choices made on the phone system say their offices are closed. What kind of a company is that which is operating in 2016 with no phone customer service on a weekend during the day.