Target Credit Card Reviews

We recently received a Target Visa card for $50. We tried using it at a restaurant for the full 50. We were informed the card would only go through for $40. I called the number on the card and the agent advised me they always assume any user of the card would apply a 20% tip, so the card would only be approved for $40 and change. This is completely ** ridiculous. I, as the card holder and owner, should not have an implied or imposed amount applied to my card. I should have the right to have them run the card for whatever amount I deem fit and appropriate. The amount I use my card for should not be dictated by what Target thinks the responsible amount should be. As of now, I will never purchase or condone the use or purchase of any Target card or gift card.

I never received bill for 6 mos and when I asked to remove late fees of $250 they would not and my credit dropped 150 points. They have cost me now 1000's in interest because I can't get low interest loans. I am a full time student. I hate these people. They never even called me to tell me about my outstanding debt.

I called to have a late fee removed from my account. My son was admitted to the hospital with pneumonia on Wednesday 11/2 and was discharged 11/5. My payment was due 11/3. I made a payment 11/7 and they refused to waive the late fee!!! I thought this was so rude and disrespectful. I requested to speak to a supervisor and was advised they would tell me the same thing. I advised her that I wanted the call to be transferred to escalations and she asked why again and I explained that due to the circumstance it should be waived. After notating the account she stated someone would call me within 24-48hrs and that I will need to answer because a message won't be left. So now I'm waiting. I will be canceling my card if they don't waive the fee. That would be so non-empathetic of the company.

I will NEVER shop at this ** store again!!! I went online to start my Xmas shopping for my grandchildren before I go in for surgery so I would have it taken care of and could relax, but no, Target put a hold on my account until I fax my social and my driver's license because THEY couldn't send me a confirmation number to MY phone number that I've had now for 30 years!!! I REFUSE to shop at this store or the online store again. Target treated me like absolute crap!! I've never felt like more of an ** than I did while talking to the customer service rep. I canceled my card with them and will NEVER go back. I have plenty of other cards that won't put me through this much hassle when you're using what you got approved for. See ya Target!!! You definitely WILL NOT be missed!!! A little bit of advice... Change how you handle certain credit card issues or be prepared to lose more cardholders in the future!!!

San Francisco does not have many of the discount stores that exist in other places, and yet is known as an extremely expensive place to live. I personally would love to support Target because in the middle of the 2016 internet frenzy around LGBT people (and seriously, non-LGBT) persons and restrooms, Target's management made a declaration about how anyone visiting Target could use the bathroom of their choice - this was met with a backlash and internet protests declaring boycotts of Target stores - and all of that only made me more determined to buy anything and everything I could at Target to counteract that stance which I cannot possibly agree with (see earlier note that indicates I live in San Francisco).

The 5% discount is not worth the hassle. Ended up having ~$170 fees on a single $60 purchase, really hurt my credit score in the process. Never received my card or any bills. (I know I could have called them to check instead of waiting). I was willing to pay off my full balance if they could remove just 1 late fee out of the 5 that I had. They were very apologetic but assured me that was not possible even knowing that they would lose a customer for life and receive poor reviews. It’s sad that a couple of dollars (that Target probably won’t even see that much of) was worth it. I will not be shopping at Target ever again. I thought Target was a great store but contracting with a shady credit card company has tainted my opinion of Target. Target should reconsider the approach they taught their cashiers to pressure all customer into signing up for a Redcard.

After reporting our card stolen, we were treated like second class citizens and criminals. Our account got locked down and we were no longer able to make payments online. We had to call in each time to make a payment. When asked about getting it fixed the man told us that we needed to prove who we were by faxing in a drivers license and social security card. This is the worst customer service ever. When we had a similar incident with another card, they politely made sure the card was canceled and we were issued a new one after a series of questions were asked of us. This make it very inconvenient for us to have to wait on hold for customer service and to be treated like a criminal when it was us who lost our cards during a move and could have someone trying to use our cards. I feel like they are treating us poorly and like bad customers. I will pay this card off and NEVER go back there again!!!

Sep 14 I used the REDcard debit. It was sent through the next day. It bounced. Since Sept 14 it has been sent through 3 more times. Even after me calling. They say I owe nothing. This has cost me so far $108.00 with my bank charges and IS STILL NOT RESOLVED. I have called and called. I was told "oh I'm sorry for your inconvenience. We will refund 1 bounce check fee." Not been done 2 wks later. And I just don't how to pay this amount they say I owe. This has been a nightmare. DO NOT GET THIS DEBIT CARD PLEASE.

We used to like shopping at Target; however, our experience with their REDcard this year left us with bitter feelings towards this corporation. We have excellent credit ratings and have never been treated so poorly by any other credit card company. They suggested we didn't know how to manage our credit. The real story was that they changed our billing to paperless without our knowledge and then when we didn't pay the bill on time they charged us late fees. They said "it wouldn't be fair to our other customers" if they reversed the charges. Their devious business practices ended up costing us an extra $60 on a $30 charge. That's the kind of savings you get at Target! We will shop elsewhere.

Due date is the 25th of the month. I paid on the Sep 28th for the following month. They credited it to the previous month and say I still owe for Oct 25th. If I did not check I would have had late charges. This scam is wrong due date 25 end of cycle. I have paid the amount off and cancelled the card. This coupled with their views on rest rooms me upset. I will not enter a Target store again and suggest you do the same.

Do not get this card, no matter how many times the Target check-out person asks! This card has the worst customer service that I have ever encountered in my life! I had 2 fraudulent charges on my account. They were happy to put a hold on it, but I have now called 5 times and am not able to have my identification "verified" by them in order to have the fraud investigated and the charges refunded. First they said that my cell phone number (which has been in my account for years, which they have actually called in the past to check on a charge) is not verified, so they can't use that to send me the verification code. They also can't use my home number, because the only way they have to do that is to use a computerized call that is blocked on my home phone. They insist that I need to remove this, but I can't get into that account to do that, and I shouldn't need to!

I applied for a Target Red Card Debit Card about a year ago. I used to love shopping at Target. However my recent experience has been very embarrassing for me. I spent over 1500.00 at Target two weeks ago and had never had an issue with my card prior to this. Today my card was declined at the register. I immediately called the customer service number because I was embarrassed at the register. Thanks Target. When I called I was told I had too many transactions apparently you are not allowed to shop at Target more than twice a week. Even though you have an excellent account standing. When I was told this I asked if there was a limit I was told no. Lie number one. Yet I was declined for it.

My name is Leann and I currently got a REDcard from Target in Stockton, Ca. I thought it would be a good way to start off my credit with target. Well I was wrong. The first day I got the redcard they said I wouldn't be able to use it and then I only put a $100 credit on a laptop and I paid it off. Seeing that I had no more payments I tried to get $200 worth of credit to get a ps4 but they said I had no more credit. In order to buy anything else it had to be cash.

Look, here are the facts: Target's Red Card system is run through TD Bank, which is a Canadian Bank that is almost awful. The most selfish, rudest, and fraudulent bank whose only goal is to steal from their own customers. The Interest Rate on Red Card is above 23% for only a 5% savings on your purchases. This is a bad idea, don't recommend, especially since TD Bank is the biggest joke bank and cannot answer for their devilish methods. Stick to real banks like BoA and do not get the card.

In the beginning of Sept I get a decline on my Red card at target and immediately call the target redcard phone line. I was told that in March, I was mailed out a new card with a chip in it. I didn't get that letter. Anyways I ask for a new card to be sent to me. With a signature required, the card gets shipped to my workplace. I call in to authorize the card, I can't.

I opened a Target store card June 2016 at the register after refusing but the cashier going on and on to make the commission. I finally caved and it has been the worst nightmare since. I have several store credit accounts and regular credit accounts, am ALWAYS religiously on time with payments and making payments even when I don't have to so I can get ahead. Never ever a problem until Target. I opened the acct in June, making a $40 dollar purchase of toys for my boys. As soon as I received the card in the mail, I registered the card, opened an online account and made the payment.

Having a Target card is the biggest regret and headache and I no longer shop there. When I signed up to pay online they stopped sending me statements. I tried to set up autopay but the system did not allow it so I called customer service. The lady on the phone does not understand me because of a language issue on her part. I try to cancel my card and she is not happy about what I had to say about Target. Nothing accomplished!! After several phone calls and late fees I finally find out I have to click on minimum payment in order to set up autopay... Target makes it hard and tricky to set this up. I truly feel they trick you because they are so greedy for the late fee. They should be shut down!!

Target has the poorest customer service, website and fees of all of my credit cards. I have great credit and set up autopay for all of my credit cards. When changing banks, I updated my bank information however there was a apparently obscure link to use that same account info for autopay so I was assess a fee when I discovered I missed a payment. Despite being a customer for 6 years and following the asinine customer service procedure of having a supervisor call me back (they will only call once at any time of the day/night and if you miss the call, they will not try again and you'll need to repeat the original process) they would not refund the fee. Now they lost a high earning customer who is glad Target is going out of business due to Amazon!

I have been shopping at Target for approximately 15 years and love it. In May 2015, I opened a REDcard credit (there's three types of cards they offer). I made payments on time and life was grand. In May 2016, I joined bank accounts with my new husband and canceled my own. I immediately called to notify Target and update the new account info for the following bills. All seemed well. Late June, my payment did not go through, and I only noticed when reviewing my bank account activity without the usual Target transaction. I call and the rep I speak with says the payment was returned, removes the late fee, inputs the bank account info again and resubmits the payment. Great.

The 5% off is nice, but it's probably the worst store credit card in existence. Mine no longer even works, and I'm not sure when the new one will come. It may have originally been a technical issue, but now it looks like they just deactivated the thing before sending me my new one. The website says that old cards stay active until the new one is activated. Yeah right.

I have been a loyal Target customer for 10 years. In 2013, I signed up and became a Red Card holder. A year ago, I added another bank account info to my online account to use for payments. The website does not reveal the info once you input it. I only used it for a payment or two. But a whole year, Target insists that whenever I utilize my original bank info (the same one I have been using since 2013), it has insufficient funds.

I was late one day paying my credit card. Target charged me a late fee of $60.00. According to the law passed in 2009, late fees can not exceed $25.00. I do not think 1 day late should receive this high late fee.

I recently had some fraudulent activity on my Target REDcard and when I called to report it not only was I transferred multiple times but I was basically treated like a criminal and a liar. The first rep that "helped" me told me that it wasn't possible that my card was used without my knowledge since a pin is needed which isn't by the way. This is so sad because I love Target. It's one of my favorite stores to shop. However, I might have to cancel my card and account with them to prevent this in the future. If I could give Target online customer services zero stars I would.

My name is Jose, I just canceled my red credit card from target. They are thieves, they did not send the statements that were suppose to send. After three month they send an email telling I have to pay penalties for not doing the payments on time. I called today and they said they sent, but just lies, I receive almost everyday news about clearance and sales from target, but not any statements or alerts. I recommend to everyone to be aware of these thieves.

I received an email from Target saying I was late on a payment. I did not receive an email saying a payment was due. I called Target Red Card and told them I never received the payment due email and she removed the $25 late fee and $1.96 interest charge as a "courtesy." She said it was my responsibility to remember my due date. "Remember your due date is the 19th of every month." So, Target can send me an email saying my payment is 3 days late but they can't send me an automatic email saying my payment is due? I don't believe in doing business with companies that run this way. After I paid the bill in full I told her I had one more transaction to do and that is to close the account. She asked me "Why?" I said, "Because of the conversation we're having." She said that was not a good reason and I could go back to paper statements. Is it me or has the whole world gone nuts in their reasoning ability?

I received my Target REDcard in January 2016. Knowing I had a balance I had issues accessing my account online. I contacted Target, got it fixed and paid the bill. At this time we discussed the fact that I did not receive a bill and the representative said they had the issue resolved. I used the card shortly after and immediately got online and paid the bill through my online banking. I did not use the card again for several months (4/9/2016) and when I did it was a small amount under $50. At this point I still had not received any sort of bill from Target REDcard. I forgot that I had used the card and did not receive any bills (nor attempt to use the card) through the months of April, May or June.

Just closed my Target card. I hardly ever used it; I was on autopay, and I forgot to update my bank info when my connected bank account closed. I had $27 balance on the card that I was sure got paid. Since I haven't used the card in months, paying cash instead, I didn't think to check my balance. They emailed me this morning to "collect a debt" of $127. I called them to see what was going on. $27 in purchases and $100 in late fees. They wouldn't take any penalties off. I paid them and closed my card, with them informing me that IF I closed it I'd NEVER be able to re-open it. They also ruined my otherwise excellent credit. Thanks Target! Enjoy the $100 you stole from me. That will be the last of my money you'll see. Hope you go bankrupt soon.

Paid online. Didn't post. Said it did. They had no explanation why!!! 60 dollar item cost $200+. Called in first time paid original amount. Told resolved. Continued to charge $30 per month! Beware. Terrible customer service!!! False info.

Last month (June) I made an e-payment and it came back as returned. I put in my account number wrong apparently by ONE NUMBER. I got charged a $25 return check fee and they reversed it. This month (July) I made an e-payment again and I CHANGED the ONE NUMBER. The website kept the wrong number and my payment never got deducted. I called because the payment was never deducted from my checking and the payment was then taken over the phone.

The fiasco with the Target Red Credit Card started in the checkout lane when I applied for it. I was denied, despite having a FICO of 830+. Didn't get the savings on the order and was embarrassed. Lo and behold the credit card arrives weeks in later in the mail. Glutton for punishment, I used the card and signed up for electronic billing statements like I have used with my Discover Card without problems for years. The second billing statement was due, guess what, no reminder e-mail that the bill was ready. Found out when my card was declined at the cash register. Called them, the first overseas rep insisted it could not have happened because it was an "automated" process. Called back and asked for USA, the guy I talked to apologized and credited the late fees.

I got an approval email about 3 weeks ago stating my card should arrive 7-10 days. It never did. Target has a history of breaching customer data. So I'm worrying about my personal info and my financial info would be used somewhere else. They don't have a phone line set up for anyone didn't receive the card. When I called them yesterday, the machine kept asking me to enter my card number. I didn't have an actual card with me. How would I know my card number? It wouldn't allow me to go further without a card number. It is a very dump design/system. After I read all the fine print, the only way to contact them is through mail. Come on Target, please move to the 21st century. I want to contact their people at least through email. Even though you're red, it doesn't mean you can go green by saving some papers.

I want everyone to be aware of the red card. I have used this card for over 3 years, never late and sometimes paid over the amount due. I was late and never realized it - I was not contacted in any form. I found out when going to purchase a home that my credit dropped because I was 31 days late on a target card. I called them to have it removed as a courtesy. They said nope, once 31 days past due it's on the Credit for 12 months. I said I was never contacted. It was even 1-30 days late and they said still nothing they can do.

I did not need another credit card and always turn them down. Even when they ask THREE times in one sales transaction. Anyway, this day I forgot my wallet. It's a common occurrence, but luckily I had it in the car so I ran out and got it. The cashier told me that if I had the Red Card I could use the Target App and I could pay at the register with it. I have Apple Pay but they don't accept any of that nor like Starbucks have their own payment method. I asked for clarification and she explained it again. So I got the card but she lied. When I called they told me I could use Apple Pay but this was wrong too. Finally I was able to cancel my card. They should not lie just to get a gift card for making a customer open a new account.

Ok I am so irritated with Target and their so-called policy. I paid off my balance of $35.00 in April by phone talking to a real person on the phone. Apparently my payment for my $35.00 was 3 days late but nothing was mentioned about a $25.00 late fee which I would gladly have paid at the time. So now I feel that my account is paid in full so I disregard any monthly statements thinking they were coupons, advertisements, whatever until this month I am like, "why do I keep getting these?" So I open it up and have a $89.00 balance that is past due.

I opened up a Target red card after a sales pitch of getting a big discount off my Christmas shopping purchase. Biggest mistake I have made since I hadn't done my research. The interest rates and fees are steep and customer service is horrible! I spent $300 this past January and paid the whole sum within a month. However there was a returned check and my account began accumulating fees unknowingly. Target did not notify me of this returned check situation and once I noticed it was because my credit score had taken a huge hit! Not only was Target unprofessional on not notifying me but extremely rude when I called to explain the situation. Over $110 of fees and interest had been accumulated over a simple $300 purchase. I paid the whole amount again as soon as I realized this but no apologies or consideration was taken.

I have had a Target CC since 2003. I just received a call from a debt collection company saying I owed them nearly $300. According to them I had a $47 balance on my Target card in April of 2015 that I had not paid. I have a very high credit score and pay my bills on time. I said I moved at the end of June but had never received a bill while living at my old address from April to June, nor had I received any forwarded mail from Target since then. I then called Target and was told I should know if I had a balance and I should have called them. They couldn't seem to understand that I can't pay a balance if I don't get a bill. When I got no bills I assumed I had a $0 balance. I usually pay cash so I haven't used my card in over a year. I have always liked shopping at Target but that ends today.

I recently obtained a Target Debit Card in-store by supplying a blank check to tie it to my bank account. Weeks later, my wallet was stolen, which contained the Target Debit Card. I called my bank and Credit Union to obtain replacement cards and was asked security questions, which I answered correctly, so they mailed out my replacement cards. I called Target and was given a big hassle.

I was shopping for Christmas and the check out lady offered the 30 percent discount for applying for a TARGET RED CARD. I fell for it. My first payment went smoothly but the second was set up for online monthly bill. I didn't receive the bill the next month! Talked to a rep and she said she was sorry and took off the late fee. Never got another online bill or statement in the mail. Life happened... Mom fell, broke her shoulder. Two days later she was found unresponsive and spent 4 days in ICU.. I tried to sign in knowing that my bill had to be soon but couldn't sign in! I was having so much trouble that I gave up being pressed for time and thinking I'll deal with it later.

I am puzzle that department Target told me that I did not submit to pay online last Saturday but I did. I recheck at my bank routings and acct check is correct but I asked them but they hang up very rude. I called them thru rely service again this morning, they hang up. They are unprofessional and lazy to investigate. They don't want to take care of it. They are very bad attitude! I have no respect them. They are lazy to say no or yes then hang up. They did not want to explain or help. Lazy!!

I got a Target Red Card end of last year. I tried to pay my bill over the phone through my bank. The Red Card folks claim that the payment was denied for insufficient funds. This happened twice and both times Target tagged on late fees and returned payment fees. I finally had to conference call my bank with the Red Card service. They verified that my account has plenty of funds to cover the Target bill, and that the account's been healthy for years. They also verified that they see no evidence that Target ever tried to get the bill paid. Red Card forgave about half of the fees, but still claims my bank told them I had insufficient funds, and my account is now disabled for phone payment. Every other company we do electronic transfer with has no issue. Target Red Card financing/billing department is either incredibly incompetent, or intentionally deceptive in an attempt to collect more fees.

I applied for a Target credit card during the holidays 2015. I had one previously but closed it years ago. At the time I applied, I was not approved immediately but after calling to see why I wasn't given immediate approval I was connected to a service representative that explained that I wasn't denied but they needed to further investigate. It took a few days and I forgot about it thinking I was denied. A week later I received my card in the mail with a limit of $300.00. That was December and just last month 4 months after opening the account they increased my limit to $600.00.

Their practices for holding a credit card is beyond ridiculous. I paid more for "late fees" than actual products. Even the customer service rep indicated that something was off. I am so enraged by their horrendous business practices. I still am not completely sure what happened, but they do not operate in the same way my other credit cards do and I have an extremely high credit rating. It was so obvious that this is a normal occurrence for their customer service reps that they didn't even transfer me to their manager or other more appropriate department as I requested. I cannot believe this type of business practice is not only still happening, but that it's legal or at the very least goes unchecked. Where is the regulation? NEVER GET THEIR CREDIT CARD.

I have worked as a bookkeeper for over 30 years. I am scrupulously careful with my bills, always pay on time and have a perfect FICO credit score. I recently began shopping at Target. A checkout clerk persuaded me to open a Target credit card saying it would only take a few minutes, I could do it while checking out and I would save 5% on all purchases. So I did. She said the card would arrive in 7-10 days but it didn't. In fact, it never arrived. I called Target twice and also inquired at the store with the store manager. She was sure I should have received the card within 7-10 days and she kept telling me, "You should have received it by now" as though I had done something wrong.

Signed up for Target Red Card. 1st Payment - paid within the required time frame, and the payment online went through. A few weeks later I see that my excellent credit score drops down. Upon investigating, I see that Target Red Card reported me as paying late. I call customer service: they explain that my payment was not released by my bank (which they have never notified me about), and as a result they reported me. I pay the balance immediately (now that I know that there was an issue).

I wish you could put no stars or negative stars. I HAD a Target red card for about a year. Made every payment and even paid my account off in full. When I called wondering about a credit line increase, I got told that I would get a letter within 75 days regarding my increase EITHER way. I called 30 months later to follow up and was told that WAS NOT the case. Then told there was no one in that department that I could talk to. So I asked for an account services person to talk to about being frustrated to the point of wanting to cancel my account. They then transfer me to a second person who does not understand or speak English because I clearly said at this point with the stress and aggravation, and thought of it just being a scam I was on the verge of cancelling my account.

Who doesn't love Target!? I know I do. But the TARGET RED CARD is a complete scam. Please for your own sanity... do NOT get this card. I made a $106 purchase at Target a couple months ago after signing up for a Target Red Card. I signed up after being asked and told I would save money. I wanted to go directly to the service desk to pay off my balance and was told this was not possible. I was told that only after receiving my card could I make any payment. I then waited and never received my card. I was then charged late fees and still no card. I went to Target asking to pay off my balance and was told I needed the card. I told them I did not get the card. Then I proceeded to call numbers at Target in an attempt to settle my balance or to request the late fees be taken off, as I still had never received my card. There was an automated voice requesting a card number I did not have. I tried multiple times.

Extremely upsetting! I open credit cards to store I enjoy going to so that I can purchase merchandise while not having the money to purchase such items. However, this is the final straw! I will not only register credit cards with banks, and definitely not stores, especially Target. I got my Target red card August 2015, and got a receipt to use as I waited for my card. Well first, I never got my card! Didn't arrive. Am I special? No, apparently this is commonplace according to this website. Then, I made my purchases. I made more, and I made more.

Never late my payment since 2010. Anyway I called Target card service again because it wasn't read to register. At that time I believed my chip card was going too bad (you know this was the card with chip as they saying it was best security) then Target card service keep asking do I use another card in Target. I didn't understand because they my account information on their system but they keep asking do I used another. So I felt It seems like somebody stolen my personal information then got duplicated card. Therefore I asking like that but Target card service res. said it wasn't. But I could not trust anymore.

I have been a Target Credit Card holder for 8 years now and I have NEVER missed a single payment. I always charge my items and then head to guest services and pay right away. I made the mistake of ordering online from them and went to make the payment. The payment was due on 4/8 and I made the payment on 4/6. I received a reference number and was told payment was complete.

I made my payment arrangement early, on the 1st of April 2016, scheduled for the 2nd of April 2016. And thought "Hey, I got my bill paid off early!" WRONG. Even though we had a sufficient balance to pay the bill up until the 11th of April 2016, on the 12th I got a call claiming the payment never went through. And now they want a $25 late fee on top of the $25 I was scheduled to pay. Which is ridiculous for the following reasons. One: We've used this bank account before to pay the bill, without any problems whatsoever. Two: We had around $1600 in the account at the time, far more than enough to cover the $25 charge, which they claimed was returned for insufficient funds. Three: When confronted on it, they give the same usual flaky response: "Well, it couldn't be our system, it has to be your bank.".

Last night I tried to go into my Target Credit Card account (I've been a member since 1998), only to find out when I called that it was closed due to inactivity. The gentlemen said they sent me a notice, which I didn't get. I asked if my Target Debit account is active why not the credit card. He said that meant nothing. So I told him "If I had walked into Target and tried to buy something I would look like a fool?" All he could tell me was that they sent out three notices (that I never received) and that I would have to reapply for a new account. I'M NOT!

Target RedCard is simply horrible. I have endured 6 months of torture. Initially, I had great difficulty paying my account online because the website is not intuitive and very difficult to use. I was charged a lot - maybe $150 in late fees in total which is simply ridiculous. I have never, in all of my 20 years using credit cards had this kind of difficulty. When I moved residence, I did not have problems with any of my paper bills except for Target REDcard. I explained how they got these bills to me late even though I transferred my mail on time with the USPS. Why did all of my other 10 bills transfer correctly and not the Target REDcard?? Why do I never have difficulty with my other accounts and using their website without problems, except for Target REDcard.

Worst customer service ever! Unfair late fee charges! For some reason there was always a constant dropped call or unintentional transfer. When I made a comment that I have had to explain my situation for the umpteenth time, the representation made a remark as if I was lying about it. On the phone for almost 2 hours. I had called in for a dispute on my credit card and while I was waiting for the resolution of the dispute, they continue to charge me a late fee 3 times. Half the representations were condescending and rude. I'm closing the account.

I'll join in with the hundred of people already here warning you to RUN, don't walk, RUN from any offer for this card. I got it when I was moving. I bought a lot of stuff and they promised 10% off for applying... except that it did NOT give 10% off on everything, only certain items. And you HAD to charge it to the card... which then sent the bills to the wrong address.

I would receive statements via the mail, and there was a 3 day grace period; this being an atypical practice I incurred late charges twice. Then I called and asked to get email statements, well they would send a link to the account. Every time I tried to log in, my password would not be accepted though I had written it down. So, I called to close the account and pay off the balance. I had believed that it was done so, but Target hadn't closed it. Five months later they contact me to collect the balance that had more than doubled. They are not at the least concerned about customer service, and if they find an angle to make more off of you: they will. So if you think you are saving 5% you are not, at the end you will lose so much. I have other credit cards and they all work as expected. This was quite an anomaly. Due to their horrific way of treating me, I will not be shopping at Target ever again.

I recently contacted Target Red Card customer support in regards to a missed payment/returned payment fee. Prior to this event happening I went online and added a new back account to continue my Auto Payments. I set the account as my default account with the understanding my auto pay would update as well. Nonetheless my March payment was missed and I was charged a $25 returned payment fee. When I called into customer service explaining the situation she informed me the fee was non-negotiable and could not be waived. I repeat, I have never missed a payment and my account has been set up on auto pay for the past 8 month.

This was a miserable experience. I was a day late on paying my balance when they had sent the bill to the incorrect address. They would not waive the late fee so after talking to a supervisor that said there was nothing they could do I went ahead and paid it and cancelled the card. Three months later a bill finally arrives to me with late charges - they had charged late charges on top of late charges. Apparently my original payment didn't go through until after another late charge had posted. Basically I had this card 90 days and even after correcting my address and still not getting a bill I paid over $150 in late charges. My wife and I truly like target but this is despicable and Target now rises above Time Warner with the worst customer service out there.

I called Target card services because they cashed a check I sent them for payment but never applied it to my account and subsequently charged me a late fee. Instead of getting a courteous and apologetic representative, I got accusations and the third degree as well as vague references to how it will be handled going forward. I have a feeling that I won't get my money without initiating another call to them.

My account was on email alerts but I did not receive any bills online. I ended up accruing two late fees. When I tried to go online to manage my bill I had forgotten my PIN but the system locked me out and never sent me an email to retrieve my PIN. When I finally spoke to customer service they refused to reverse my late fees even though their system was at fault.

Over a year ago Target did not send a bills for months then I got a bill with an overextended late fee. I was able to get that resolved after some time but started checking online each month because I did not want a repeat. Recently my card expired and I did not receive a new one. When I went to the website there was a place to click and activate my new card so I could only guess it was sent but I never received. Clicked on the link to receive new card but it said to call customer service. I called that number and every other but there was no way to get any help as there were no human connections, only and endless loop of press this and press that. Went back to the website and sent an email to Target to cancel my card. Who needs that kind of poor service? I'm sure they won't do that right either.

I walk into Target and got to buy 180 dollars in merchandise... I got to the register and the lady talk me into applying for this card. I was accept with my good credit. So she gave me a discount, it became like 140 dollars if I use the card. I finally get a invoice from Target Red Card and it was 3 months late and charging me 243 dollars over a hundred dollars more than the original purchase for late fees. I never received any invoices until 3 months later. I immediately call Target and paid off the 243 dollars and closed the account. I went to apply for a credit card about 6 months later. There was this stupid Target card on my credit score. So I called target and talked to a representative and he assured me this will be removed. Since I did not receive an invoice until 3 months later, I got a letter from Target and they say that what they reported was correct and they will not dispute.

I have a Target auto-ship set up quarterly to deliver necessary personal care products to my elderly mother who no longer drives. I have it charged to my Target account. I received a new RedCard in the mail, activated it according to instructions, and destroyed my old card. I don't use my Target card all that often, so it never occurred to me that the account number on the new RedCard was completely different than my old account number. I only found out because my mother didn't get her auto-ship. When I went online to find out why, it turns out the shipment was cancelled because it was "charged to a non-existent account number." So I tried to switch over the auto-ship to the new RedCard. No can do.

I have been trying to use my Target Red Card for the past month and it has not been working. I have called the number on my card several times and always get directed to Certegy. I call Certegy and have to be on hold for over 1 hour every time, when I finally get a representative they inform me that there are no issues with my account, by this time it's been like 2 hours on the phone. By this time I'm really frustrated, I called Target back and speak with a representative who has taken the time to try to assist me but he cannot figure out what the problem is after placing me on hold several times and by this time on the phone for another 2 hours.

I was charged over and over again by Target and my bank for lack of funds in my checking account. I talked to Target today, 1/20/2015, in several departments to find out when I would be charged again, so I could make sure I had money in my account. First, I talked to one woman who I couldn't understand a word she said - heavy accent. She transferred me to a supervisor who also had a heavy accent, and I could not understand her. So, I was transferred to a third person who could speak English, but she couldn't help me.

Beware!! If you want a store cc please don't choose Target. 1. Their late fee is $25 and you have until 11pm to make your payment. You don't find this out until one day you make your payment after 11 but before midnight and get charged $25. Argue with a cs rep about the charge. Also there is no grace period, there are very very rare limit increases. Look elsewhere for a store card, somewhere with the customer in mind.

I opened a REDCARD in 2014 for the 5% discount. I would pay the balance right away to avoid interest. in Nov. 2014 they returned a payment saying no bank account found. I used same back account as always. I called to get a refund for the $25 returned payment because I told them it had to be an error on their part. That time it was resolved quickly once the representative looked at the history of the account. Forward to Nov 2015 - returned payment, no bank account found. Called and explained strangely the same thing happened the year before same month.

I opened a red card in November (ish) to get the % off a large purchase. I tried to pay the balance in full approx. a month later, and the payment was kicked back (the payment was literally returned back to me). I got no notification from them, the only reason I knew it happened was because I called them to see why the money wasn't taken from my checking account. Meaning, why hadn't the payment gone thru. Only because I called, I found out that the payment was returned to me. No explanation, just returned to me. So, as I was on the phone with the guy, I deleted my bank info, and re-entered it. He even stated "Yep, I see it went thru". Leaving me to believe that all was good! I then get a letter in the mail approx. two weeks later that told me my card was closed because of too many returned payments!! What?!

I applied one because one of the check-out person told me that I could get 5% discount. But I received my card pretty late, after a few months of my application. The system was awful too because I kept having error when I signed up the automatic payment. I called a male representative, and he told me to take care of my next three months of payment to avoid any late fee. But it did not happen. I got another late fee charged. I called again to the representatives, and he raised his voice to me when I was explaining my whole situation. Just freakin done with this card. I don't care about 5% discount because I rarely shopped at Target because they are relatively expensive compared to Walmart. Target, you guys should do better job in this field. Your customers do care about your system and customer care management. Sorry for your bad reputation. You guys are going down.

I've had a Target Visa card for the 10 years now. I go to use my card and find out they've closed my account due to inactivity. I call customer service to see if they can reinstate it and they tell me "no". They closed it a week ago (on my birthday no less) and didn't notify me at all and there is no way to reverse it. "No way to reverse it". In this day and age, with all the technology that we have they can't flip a switch and reverse their action? We've cloned a sheep already and THEY CAN'T reverse a closed account?!? We have a habitable space station orbiting around the Earth which means people can LIVE *in* SPACE. But yet, Target can not reverse a closed account? Their solution? Reapply for a new card. Not only will I not reapply for a card, but I will refuse to shop at this store ever again.

I was coerced into signing up for a credit card with Target after the register clerk told me that there was 0 due for 6 months and no interest charged for a year - FOUND OUT FOUR MONTHS LATER THIS WAS A LIE. Now I have a bill that's almost triple what I charged on the card in late fees, interest, and the bill. I never received my actual REDcard in the mail, did not receive a single bill up till today and did not get any phone calls about non payment. I talked to three reps on the phone and am now currently up to a 32 minute wait and climbing with their dispute services. I have excellent credit and wouldn't dream of missing a payment on anything and now I have this mark on my credit from this company. I haven't gotten anywhere as far as resolving this issue. Four months of a 35 late fee after being lied to? These people are crooks.

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

I have a Target REDcard for less than 1 year and always pay my bill on time or early but the last bill was overlooked due to personal matters. I never received a late notice or a email or anything only a collection letter 3 months later with $90.00 of late fees. I did not use this card much and always pay the bill online right after I used it so I did not remember this last purchase and fail to pay it. It would have been nice if they would have sent me a bill the first month it was late, but I got nothing. Now I finally got a bill for 3 times the amount of my purchase. You never really save at Target. They always get you in the end.

The Target customer service was not helpful. I had the Target account with less than 1 year, but the late fee charge I just paid total $216 for the $187 purchased amount. I called the customer service 3 month ago to explain that I did not get the Target statement and I hope Target will waive a fee for me, but they said that after 30 days, they won't take out a late fee. It is a lot of headache to deal with credit card late fee. I told them to cancel the Target card and send me the final statement. I just got a paper statement yesterday which is after 3 month after I canceled. I calculated. The later fee is huge amount of $216.00 in total.

The Target Customer Service was not helpful. I had the Target account with them 5 years ago, but the late fee charge was so high $35. I called the customer service to explain that I did not get the Target statement and I hope Katie will waive a fee for me, but they said that after 30 days, they won't take out a late fee. It is a lot of headache to deal with credit card late fee. I told them to cancel the target card. I won't shop in their store anymore. Their interest rate is hike too.

Here's what they do. A bill is sent AFTER it is due. A $25.00 late penalty is assessed on each bill on top of their 21% APR. This has happened time and again. I called today, 12/16/15 and closed my account, paid everything in full down to $0.00. They refused to waive the late fee. No wonder this company is in trouble: they are crooks. I will never set foot into a Target Store again. If you are wise, you will do the same. Bad actors!

On 12/3/15 I shopped at Target in Aliso Viejo using my Red Charge Card. I swiped and signed and the clerk said the transaction did not go thru that I had to swipe and sign a second time. I told him I feared I would be charged twice and he refused to let me take the merchandise until I swiped and signed again. I checked my account online and yes I was charged twice for the transaction. I have been calling and emailing numerous time since 12/4 but Target refuses to correct the duplicate transaction. I complained on their Facebook and next my Target account was taken down and I can no longer access my charge card account online. Target is essentially stealing from me. What can I do about it? DON'T USE THE TARGET CHARGE CARD -- IF YOU HAVE A PROBLEM CUSTOMER SERVICE IS HORRIBLE.

My dealings with a Target REDcard have been an absolute fiasco. I have never been late with this bill and in fact had tried to pay it early. I went online and must have entered the routing or account number incorrectly. When I noticed a couple days later that the payment hadn't gone through, I called Target. They said to give it another couple days. When I later called back I found that I must have entered the routing and account number wrong so they charged me $25. I called and complained about the charge and sought to have it removed. The representative and then the manager could care less about what I was saying and insisted that I would still have to pay the $25. I told them, "Fine, I will pay the $25 and please close this account."

So I got the Target red card last November when making a large purchase to save some $. In the year since, I've used it very minimally maybe $100 a month on average. I have spent so much money on fees for this card. It seems like every month I get dinged with a $25 or $35 fee. I have spent like almost $200 in fees to save 5% which amount to like 40 bucks. Don't get this card. You will pay a late fee and you will lose all the money you supposedly saved.

I went to buy one thing, but got 2, totaling $30.19. This was on the 4th of this month. I explained to the cashier that there was a problem with using the REDcard and I haven't fixed it yet. Had no idea it would keep from writing a check for this small amount. I had over a grand in my account. Plus around June 10th, I wrote a check for $60.49. Check #**. Why not taking it now? I've had a rep payee for many years, but account is mine. If she signs the check, I can get what I need. The cashier did her best, as did another young man. He even tried getting a card under my name and lowered total to $28.60. But card or no card, my check was taken before. I had to use the last of my cash too. I know the info I gave to get the card is totally true and correct. So please help.

I applied for the Target Red Card and the amount of time it takes to physically receive the card takes over two weeks; you are unable to apply any purchases to your account until then. You are given a temporary "card", which is nothing more than a small piece of paper that allowing you to make purchases in the interim. When I asked the cashier to look up my account and presented her with my state issued ID, she advised she was unable to do so. The only way to apply purchases to my account was if I gave her the temporary "card".

I just had the exact same experience as Vinod of Falls Church, VA reported below. I am also a relatively recent immigrant with a good credit score (750+) and I've got banks lining up to provide me with a credit card. Since Target keeps pushing customers to get the Red card pretty much every time you shop there I decided to get it over with and apply for one. Now I got declined saying that my identity can not be verified and that apparently happens when your SSN was issued after 2011? If that's really Target's policy then they should at least tell me that before affecting my credit report with 2 hard inquiries. Nice job Target, you just lost a customer.

Seriously? They were all dumb from the csr all the way to the supervisor! They did not want to listen but kept ranting their mouth like they don't understand English. If you want to work for Americans first of all learn the damn language! With Target being such a big corporation I'm not sure why they even allow such nuisance, do something about it! I applied for a red card since me and my family shop at Target a lot, I mean my daughter was 3 when she told me Target was her favorite store in the world. Not Walmart but Target. The card was said to arrive 7-10 business days, mind this was during the holidays (Black Friday) after 15 business days I started to get worried, so I called them. The lady cancelled the first card and apologies and said she is re-sending me another car and "promised" that it will get here by Black Friday.

I never write reviews, but I'm am so over Target... here it goes. Too long to process debits on debit card. So it sat idle. Today, they told me it was closed for inactivity. Glad I didn't try to use it. REDcard - hadn't used since the data breach of late 2014. When I tried to use it, the card wouldn't work. Called for a new card. Target said they had sent me one, because of the breach. Never got it. (I've lived at the same place for 10 years, prior to that I had 10 addresses in 20 years - with the military - and never had such problems.)

Besides having problems using my Redcard 2 times causing frozen food to thaw (both time Target's error) now I get an email stating I have a past due bill and a $26 late charge for a statement never sent. I have also been on the auto pay program. I have Great credit and pay everything the day I'm billed. I'm returning the card and have paid this absurd fee.

I owed $52 on my REDcard then I went to Target and pay off the balance and closed my account. Then find out that my account has a balance of $35 late fee because I paid late 2 days. So even though my account is closed, they keep on charging me late fee for the late fee. Now my account has a balance of $71 of late fee of late fee. I called and ask if I can just pay one late fee of $35, they said NO. Now it make me not even want to shop at Target no more because I just get disgusted of this "Comenity Bank" they use for their credit card. I used to shop Target for my whole family needs from house needs, school needs and my kids' clothings. Now when I have a choice, I always try to avoid Target just because I hate their credit card. I now check all my credit cards, the one says "Comenity Bank", I will just closed them off. I am so scared of dealing with this bank. They are really cold blooded. Just want people monies.

I have this card for about 2 years and yes I saved a little bit money with the 5% off. However the debit card is NOT debit. It take anywhere from 1-2 weeks to be posted in my bank account. I already got charged $250 this year on overdraft fee since they take so long to process the payment. I always have money in the account for things that I buy but I do not check everyday what is going through and I have much better things to do than check everyday to see if it did. So RED card don't do it unless you want to pay overdraft fees on the back side so saving money you're not!!! On top of that the RED card customer service 1888 number have no idea how to give customer service. They know the product sucks and that's how they sound!!!

I signed up for a Target Credit Card late last June. Waited a little over a month and still hadn't received the card. I called the Account Services and corrected my address - all should have been well. Come end of August I had still not received a card, statement, or anything regarding my card. I called Account Services again, I had a late fee- which was frustrating since I still had no card information and no card after 2 months. They informed me that I was able to go in the store to pay my monthly bill and check my balance - which is untrue, unless you HAVE a card. I confirmed my address with them AGAIN and they "re-sent" my card.

I have called of 15 times. I say fifteen because after repeated calls I have started to note the name of the person on the line. I have requested a payoff on the account at the request of our loan officer. This request was first attempted on November 6th and as of today 11/16/15 still no results or attempts of a faxed letter. This has been a very painful process. After 6 days and 3 failed attempts they weren't even on the same page of which letter is needed. Now I have been asking for a CREDIT REFERENCE LETTER - their term for a 10 pay off letter. Still nothing. I even had the loan officer on the line while I requested yet another fax. They will promise and lie to you just to get you off the line. Because, you will never speak to the same person again. So they have no fear of lying to your face over and over and over and over and over. I have had to schedule my closing twice now.

Seriously, Target? I want to shop at your stores and I like the idea of the Red Card but I am canceling my card and will not be shopping at Target any longer. The reason is this, I shopped this past week and had about $245 worth of merchandise in my cart with more ideas about future holiday purchases. When I tried to use my Red Card, it was declined. I thought that my card, with an initial credit limit of $1100 (later raised to $2000), should not be declined. I had spent valuable time shopping and did not want to discard the items in the cart. The service provided at the store itself was just fine with the assurance that if I could sort this out with the card company, I could bring my receipt in and transfer the charges to my Target card (then receiving 5% off). Nevertheless, embarrassing, time-consuming, and dumb.

I applied Target Credit Card Nov 2014. I always pay all my bills and purchase on time. For one of my purchase the due was Feb 1st and I paid on Feb 3rd 2015. The customer service representative informed that they will waive of late charges and she said I paid in full, no due. After three months I logged into my credit report and I had a default payment for $7 from Target and my credit had slashed from 760 to 640 as Target had reported that it was 60 days past due. It took months/years to build my credit. I Stopped all my purchase with Target and closed my Target credit card.

The Target card, which has no affiliation with Target, in reality, charged a late fee. I talked to a representative and she waived the recent late fee in exchange for paying off the whole balance and the first late fee. I have a name, a date, and a transaction number. They can verify that they received the full payment with late fees. Despite that, they added an additional late fee and interest on that late fee. I spent 4 hours talking to different people there and they just put you on hold. They would not close my account when I asked them to and made me wait about 15 minutes to give me an address to write a billing complaint. They can't give me a name or even a department, just a P.O. Box number. I'm very suspicious about thugs like that. I can see that this is going to mess with my credit rating.

I have had an account (store credit card) with Target since 2008 because I have always enjoyed my shopping experience in my local store. Last month when I logged in to make my monthly payment, I received an error message that stated that the website was down. I thought nothing of it so I tried again later, same message "Oops, there's been an error.... Website down for maintenance." Online bill payment is the most convenient way for me to pay because I'm often traveling and do not have time to call and punch in a bunch of info while I am driving. Needless to say I tried several more times over a period of a month and still was not able to log in to make my payment.

Oct 9, 2015 I paid my bill was $401.89. I paid $402.00. I was told I had to wait 24 hrs for it to post, AFTER I had already shipped and tried to pay. So I put the charges on my bank card til the next day when the help desk said they would switch the charges back to my Target card once it was credited with my payment. OK so I went back to the help desk. We returned everything, re-rang everything, charged it to my Target card... no go. Call the 800 number on the back of card at help desk. I'm now told it's a 48 hrs time frame for payments to post.

I am a Target shopper and between two different locations in Chicago and Frisco, have shopped there weekly. Got the last 15 years, spending on average 200+ per week. I remained loyal with all of the security breaches. I recently applied for a REDcard debit card. I was declined at the store when trying to make a 98 dollar purchase and after waiting in line at the store customer service for a few minutes, aborting and talking to 3 different agents on the phone, I learned that I need to build transaction history in order to do my weekly grocery shopping. One person told me 50, another 75, but none could tell me how long it would take for this history to build. Really, Target? Do the math. I spend on average 8k a year for the last 15 years and have plenty of money in my account and an 800 credit score. Pretty insulting and infuriating how well you don't know your loyal customers.

I had set up autopay with my checking account. But due to online fraud on my checking account my bank closed the account and opened a new checking account for me. I went to target.com and entered the new account information and set as default account. Even then they did auto pay using my old account. Since old account was closed the payment came back and they charged me return payment fees. Even though this was a fault on their system.

My wallet was stolen while traveling. I attempted to contact REDcard to cancel my card. The problem is that when I called I needed the last 4 digits of my account number to get through to a person. Logging in to my account, only the last 3 digits are given. I finally messed around with the auto voice to get it to accept my ID #. This took until the next day. When I finally got ahold of a person, over $300 fraudulent purchases were on my account. Dumb. Dumb. Dumb. Dumb. Dumb. I cancelled this card and will never set foot in a Target store again.

I was at Target and bought $190.00 of stuff. When I checked out I realised I did not have my REDCard. When I got home I looked everywhere and assumed I had lost it. So I called customer service at Target for the REDcard. I was transferred three times before I got Miss Hiede a supervisor in customer service. She said she could cancel my card not problem. So she did. Now this is the problem she said she needed to talk to my husband if I wanted a replacement card. I said he was not here he was traveling. She said she could not replace my card without my husband's permission. I asked her if she knew this was 2015? And woman buy cars, homes, have credit cards, all without their husbands' permission. She still refused to replace my card. When my Husband got home he just started laughing it was so ridiculous.

So I got the card in May and ended up moving last minute. I changed my address and all. July comes around and I still have not gotten my Target card or bill statement. August comes around and I finally get a bill, NO CARD YET, with 100$ in late fees. So I call and I pay my original statement and have them send in a referral to drop my fees because I never got a statement. They also said they would contact me of any issues. One month later, I get a bill with 100$ MORE in fees. Are you kidding me?! And to top it off I waiting over an hr being transferred left and right to try and speak with someone about it. Turns out they will never drop fees. Even though they failed on their end and never contacted me, I'm stuck with a 100 plus bill. Still waiting on my card 3 months later.

I contacted customer service on 9/24/15 to set up a payment for 10/5/15 because my disability credit comes in on the 3rd of each month. I had told the customer service rep. that they may use a check to clear my bank but no sooner than 10/5/15. On 9/25/15 I get an email notice that my checking account was overdrawn. I look into my account online and noted Target FS took out my $104.00 payment on 9/25/15. I called customer service that day. I had reported this incident to my bank but it is between me and Target.

I purchased a large smart VIZIO TV from Target about 18 months ago. Last night our TV went black and will not come on. I couldn't find my receipt which was my fault. I purchased with my red card TV and extended warranty. I called this morning to get help, was told by customer service to call red card - they could help me retrieve the receipt and help me. After being transferred to 5 different people we were disconnected. I gave all five customer service people my phone number and email.

In March of 2015 I made a purchase -- about $150. Went to pay with my debit card and was offered the Red Credit Card and I would receive an additional 10% off. I figured, "Go for it." Over the next couple months I never received a statement or card and I forgot about the account which is my fault because I thought I had paid with my debit card. Aug. 25, 2015 I checked my credit report because we are looking to purchase a new home and see this account so I left a message and then get a call from the financial services saying I am over 120 days late.

I shopped at Target in May 2015. The nice lady at the counter asked me to sign up for a Target card and save 10%. The bill was $74. I was in a hurry but did it to help the lady as she told me that they were cutting hours and this helped. I thought I was signing up for a debit card. I signed up, paid and left. A few months later my wife asked about me getting a Target credit card. It took us some time to figure out what had happened. She has, well had, she cut it up, a Target debit card and I thought that is what I was getting also.

I made a payment in the amount of 50.00 on 9/1/2015 through my bank. I kept checking to see if payment has gone through and it wasn't showing up. Went in to Target and made another payment so I wouldn't have a late fee as payment was due on the 5th. So here it is 9/14/2015 and still payment has not shown up. Bank has sent them two faxes with proof of payment. I sent proof of payment from checking account and still be told nothing is showing. Being told they have not even received a fax. Yea, I believe that.

I've had a target card for about 7 months and was very happy while I lived less than a mile from Target and shopped there all the time. People in store are always nice and helpful and its cleaner and same price as Walmart so why not? Anyway, I use it here and there, always pay it off just by memory (not using statements) and then I move cross country after getting married and guess what? I forget to pay a small bill (maybe $50?) on time. Boom! Expected late fee. However, I don't have paper statements on and I look up my email statement and discover the statement stating when my payment was due was sent TWO DAYS after it was due. So I decide to call and complain that there was no way I could pay on time.

I missed a payment during a month because I had surgery. I made next payment but did a regular payment and not the included late fee which I didn't realize I owed. They reported me to credit bureau ruining my chance to get a home. They said they didn't call me to let me know that I owed before reporting because I was making payments.

I use Ally Bank's Bill Pay, so signed up for eBill for my new Target REDcard with plans to pay my account in full every month. In the month of July, the message from my bank said "No eBills available for this account," so no payment was made. Now I'm getting an email from Target saying they didn't receive a minimum payment and that I now owe a $25 late fee, plus interest. I called their customer service line two times trying to get someone to help me correct this problem. Both times the rep on the other end was clueless. Now I'm send an email to TargetCard.Services@rcam.target.com, letting them know I'm manually paying my July bill, less the late charge and interest. If they don't clear up the problem and cancel the penalty charges, I will cancel this card pronto.

I have had a Target Credit Card since 2012. In 2013, I was having some financial difficulties, so they placed me on a payment plan, which I paid faithfully for over a year. In that time, they gave me a credit limit increase which I did not ask for. I kept making the payments in the store because Target had locked my online account. I was late twice this year, mostly because I am going through a divorce and did forget (by a day or so) to make the payment. Target started charging me late fee upon late fee, which brought up my minimum payment. I Was not aware of this and kept making the regular payment in the store, and was able to use the credit card.

In 2/2015 someone opened a target debit card with my CA ID information. They provided a fake SS#, Phone #, and bank account. The person provided Target a fraudulent Wells Fargo Check with a Chase routing and account #. I get a letter from target telling me the checks bounced and I needed to call in for payment. I called in and requested all the information I could and had them send me a copy of the check used to open the account. I was surprised that check was even accepted by target since the check was clearly a fake printed check. I had to go to Wells Fargo and get a letter saying that was not my account and to verify that in fact it was a fake check. I also went to chase to make sure the account used wasn't actually linked to me or any other customer. I had to get an affidavit signed and a police report to make sure I covered my self since this person had all my CA ID information down to the ID #.

We were on vacation for 3 weeks. We got back and I paid and mailed our bills on August 5. Target's bill was due on August 6, so my letter probably got there one or two days late. We have NEVER been late in payments, and the balance was $70.73. For that we were charged a $25 fee AND a $3.41 interest. $3.41 is 4.8% out of $70.73, for 1 or 2 days late. Let's say this is their charge for 1 month, then they're charging 57.8% per year. A tad high for any business except for loan sharks.

I was late ONE month and when I get the new statement call Target customer service and they were not able to help me because my account was sent to a agency for a 30 past due balance. They were not able to talk to me or a least apologize since I did not get statement. Plus I was charged a $25 late fee. I call that secondary company name at 866-853-5560 and they were no help in finding out why this happened. It was only 30 plus I still do not know this affected my credit. This company don't understand how consumer feel. Our credit is our life they can ruin it like that.

I have contacted this company on several occasions to update my address. They have refused to update my information. Therefore, I filed a BBB complaint and a filed a complaint with the Illinois Attorney General's office. The company has finally updated my address and sent me the latest billing statement but not any of the previous statements. I called them to check the status of my account because I received a call and letter from The Office of the Illinois Attorney General asking if I heard anything from them. Today when I called, I was advised that my account had been referred to an outside collection agency named Forster and Garbus.

I've been with Target RED card for a year now. I tried ordering a card for my husband and I placed the order online December 2014. A family member lives in the old address where the card was supposed to go to (since I moved) and says she never received anything. I called again in May 2015. I updated my address and reordered the cards so that I can receive the cards at my current address. July 18th I call again and someone says 'we mailed out the cards on the 15th you should receive them by the 25th'. August 5th and no cards yet - I call again! I verified my current address, social, DOB, card number, 3 digits on back of card, all the dates that I've called and what I called for, my log in ID (the works)... I worked in a call center I know what is needed to verify an account. I spoke to Sherry a 'supervisor' who tells me that she also needs my driver's license number because the old address apartment number was not the same one I was giving her.

I was charged a late fee for making my payment a few hours after their apparent cut-off time and I was told I could not get a fee reversal. I escalated the situation to a supervisor who proceeded to hang up on me before telling me he could do nothing. I called back and explained that my online payment history showed that I submitted the payment on the due date but their "system" doesn't accept them past 5 PM CT. He did however tell me that I could've called and made a payment over the phone all the way up until 11 PM CT! What sense does that make that I pay online and I am penalized but I could've called over the phone and the payment would've been accepted, no problem!? That sounds extremely shady! I hate this company and I plan to never shop there again. DO NOT GET A TARGET CREDIT CARD! They don't care about their card holders!

My wife was lured in by the red card after moving to a city near a target store. She purchased approx. $80 in merchandise and failed to pay by the due date. Taking the next statement she went to a local target store and paid off the balance, or so she thought. She made a payment on 8 Feb 2015 when the closing period on the statement was 7 Feb 2015. She assumed it was taking care of, and didn't pay anymore attention to it. She then experienced some depression and other medical issues, all the while her personal mail had piled up.

Saving 5 percent isn't even worth it. Their customer service completely sucks. The card originally got sent to the wrong address so I call to update the address with no issue, or so I thought. Only to receive a voicemail a couple days later telling me I have to verify the address. I call the number they provided in the voicemail only for the computer operated voice asking me for my entire card number in order to process my call. HELLO! How would I have that if I never received a card in the first place!

I love my REDcard - 5% off every time and you can pay it off at the counter. Super easy! Plus they donate money from every purchase to a school of your choice.

I applied for a Target credit card at the customer service desk. The person that helped me said there was 0% interest rate on the card for 12 months, she thought, or 18 months. She wasn't certain. So obviously they had been running a special. I got my Redcard in the mail one week later at 22.90% interest. The thing that astounded me was that the card came in the mail with no number to call to actually activate the card. I called and spoke to several people about the interest rate that was way too high. I believe it is the highest rate.

The 5% off got me but you'll pay much for this card in the long run. I had a $35 charge that I forgot and emails from Target were not going to my Inbox so I was a few months late to pay and the total for that $35.00 charge was $92. So any savings accumulated with the 5% off was wiped out. This card is just a rip off and the Target Customer Service (really some bank) can care less about you as a consumer. Well really they are just drones that have to toe the corporate line and say the right things like "Oh I'm so sorry that I can't help." I was going to write to Target but I already know they don't care so am writing to this forum to help others stay away from the Red Card.

I opened a Target credit card and then paid it in full and told the CSR to close the account. I was told I wouldn't receive any additional statements from them and I was 100% paid off. Then the next month I get a statement for $17.65 that is past due. I called the 800 number and it said I had closed the account, but that I still had the balance. I was told this was interest on the account balance I had paid off the month before. Don't understand how I can get conflicting information and to find out it is past due when I receive a new bill in the mail. Will I ever get out of their interest/past due invoicing scam?

I shopped with Target Credit card at target stores and on due date I paid the complete amount in full. After a while when I checked the credit score my score had dropped drastically because of Target Credit card- I was surprised and found that they have put late payment for interest charged. I had never missed any payments still date. Please stay away from Target Credit card- They put some crazy charges without even me being aware of it.

I contacted Target immediately after realizing that I lost my credit card. Literally the same day I lost my card, I called. When the woman answered my phone call she asked for my phone number and other information very rudely. After locating my information, she asked why I was calling and when I explained I had lost my card she had me repeat my address literally 4 times. Normally this wouldn't bother me. I work retail and sometimes it's hard to hear people. I get it but I was in a quiet room with no noise. She then told me my card would be at my home within 7-10 days.

Just should have read this site first before taking advantage of a 5% discount at Target. I opened a credit card without realizing it. I thought I had set up a red card where my purchases would come out of my checking account, however I in fact signed up for a credit card. After a couple of months of not seeing any paperwork, statements, or deductions, when I called customer service I was told I had signed up for online statements and a credit card. I asked the rep to immediately close my card and asked for the payoff amount. I paid exactly what I was told and figured I was done. A few more months go by and I receive a notice in the mail of additional fees and late charges. They refuse to refund any fees. Of course "they state" they have no notes of the rep giving me a payoff. Oh how I wish that phone call was recorded and could be pulled.

I made a purchase in May and realized I never received a statement, so I called customer service. I asked why haven't I received a statement, I was told statements were just mailed out and I should get it within a few days and my bill would be on the 11th. That sounded a bit odd to me seeing as how it was the end of June. I waited a few days and never received the statement. That prompted me to make an online account. Once I did that I saw not only was my payment past due but I was charged a late fee and now I can't close on my home. At this point, I hate target, I will never shop there again. I will be cutting this card up right after this review, paying the card up and never shop at Target ever again. I am beyond angry.

My wife and I have been asked just about every visit to Target if we wanted to apply for the REDcard. We try to be responsible so we politely respond, "no thanks." One day we had commented to them, humorously that we have too many credit cards already, but thanks. They stated that we could link it to our bank account and get the 5% savings when we use it. My wife thought it was a good idea. Face it who wouldn't want to save money, right? So based on this and not having another credit card, we decided ok, we shop here all of the time, why not.

I have had a Target RedCard since 2013. I didn't need another credit card, but I used to purchase everything at Target, and I thought I would take advantage of the 5% discount. After awhile, I stopped shopping at Target because it took so long to check out. On April 11, 2015, I used the Target RedCard to pay for merchandise totaling $41.46. A few weeks later, my mother passed away in Delaware. I went to Delaware and did not return until May 26th.

In April I was "talked into" taking out a Target REDcard credit card as they were offering a discount on my purchases plus a free drink from the in-house Starbucks. I was making a rather large purchase so I thought that would be a nice savings plus a "perk", even though I don't really need another credit card. I was given some paperwork/receipts and told to "keep those till the card arrived" suggesting I could use it for a future purchase, but I unfortunately misplaced them (this is why I do everything possible paperless, because I can't keep track of all those little pieces of paper in my busy daily life).

I have had a REDcard with Target since 2010 with a $3000 credit limit. I use it occasionally. I mailed a $150 check to Target 2 months ago which was well over my minimum payment. I somehow forgot to pay my last month's billing which I have NEVER did that before. I visited the Target store last month. Shopped and at the register, I had a $30 purchase. When I swiped my Target card the guy said, "Ma'am your card is declined." He said, "Swipe it again." I did. Same thing. I paid with my debit card and walked over to the customer service desk. The lady called the 800# and I was told that I missed my minimum payment and that's why my card was declined. I asked, "How much do I owe you?" She said, "$54." I said, "But I overpaid you last month."

I applied for the Target Debit REDcard in 2010 and aside from the fact that this is a CHECK CARD and doesn't instantly debit your account (because it takes time for Target Card Services to contact your bank), it is more similar to writing a check than swiping your debit card. I've never once had an issue with my card though. I have on occasion forgotten that I made a purchase and have to transfer funds within my bank account to avoid overdraft fees, but that is entirely my forgetfulness, not Target's fault in the slightest. If you balance your account, as you should be doing as a responsible human being, then you won't have a problem. The debit card does not require you to make payments as it is debited from your existing checking account so I'm not sure what some commentators are referring to when they say they had to "make payments" or "pay off" their debit card. It doesn't work that way.

Although I usually decline in-store credit offers, I went ahead and agreed to sign up for the red card since I would be purchasing some bar stools soon and the 5% off would be a nice savings. I signed up Feb 7th 2015 and received instant approval. By mid March, I realized I had not received the credit card in the mail. I went into the Target store and was told by the manager that they had no way to look up my info, issue a temporary card for use to make my purchase and that all I could do is call customer service. I called Target's Red card customer service and was told the cashier processed the application using the address on my driver's license. (One would think that TARGET would have learned its lesson re identify theft and AT A MINIMUM, TRAIN THEIR EMPLOYEES TO ASK FOR THE CURRENT ADDRESS!)

First, STAY AWAY FROM TARGET REDCARD. The useless 5% that they offer is not worth ruining your credit for (besides their stuff are overly priced anyway). I made a purchase for $38 on March, made the payment before the due date, left the States and when I return 2 1/2 months later my balance is $99. I called and explained that I had made the payment so they waived 1 fee of $25. My balance was then $74. Again, made that payment with my bank info after they waived the $25. 5 days later I get a letter from Target for a returned check (which btw is open with MORE than enough money in it). Now my balance is back to $99. I have never had to deal with any late payments or fees in my lifetime until I made that mistake and opened a Target card. From now on, I will pass the word and I will never again shop at Target. I hope others avoid Target too.

I've had my Redcard since 1998, I have a high balance on my account and I religiously pay $300.00 per month. I called Target to get the APR lowered and they are not able to do that, according to the representative, they review the account and do it automatically. The rates on my account go up not down. The 5% savings I receive using my Redcard isn't worth the headache, I can receive more points using my Amex that has a 0% APR. I decided to transfer the entire balance of this ridiculously high APR Target card to another creditor that has been very willing to reward me for my impeccable pay ethic. They make it nearly impossible to actually pay the card off with their high interest rates. I have been a long time Target shopper and had been a loyal shopper, but no more. I shredded the card and I'm closing the account.

Everything about this credit card is awful. Firstly I requested a debit card. They sent me a credit card and I used it. First mistake. Secondly, when it comes to try to pay off the card they put you through such hassle to set up payments. I was told that they didn't have my social on file, even though it was taken in the first place and they were going to send me a letter to verify. Fine.

The online system is extremely sensitive and easy to get locked out of. Once locked out, you have to call a customer service representative in order to be let back in. For me this took over an hour and required attempting to log in from multiple browsers and devices. Also tried to make payment over the phone that was rejected for some reason but wasn't notified that the payment didn't go through. With such trouble logging in to make payments the account lapsed and my credit score was negatively impacted, and Target won't remove the late reporting, even though it's their awful system that makes it so challenging to complete payments. I have credit cards with several department stores and banks and have not had any issues with making payments.

Really frustrating. The 5% isn't worth it and I'm cancelling the card. I got the debit card rather than the credit so I could link my checking account. It took 2 months to link and numerous phone calls. No one could explain why my checking account and Target debit card couldn't be linked. I know they had access to my account because I returned something and it went back into my checking account -- yet they made it nearly impossible to actually pay the card off.

The matter: I represent a buyer and soon to be single mom. This buyer charged a purchase to her card which she should not have done. It was a $152 purchase. She did not have the resources to pay for such a charge. We can all accept this was a poor decision by this adult. It was the first and only charge on the Target charge card. Four months following the purchase, the price ($152) of the product was paid to Target. In four months, following the purchase, the fees and interest on the purchase totaled more than the purchase. And the fees and the interest charges continue. This mom does did not have the resources to pay for the product and there is no way that she can pay for the fees and interest.

I went to a Target store and my total was around $32 total dollars. The cashier and store manager discussed getting a new red card with all the benefits and take advantage of future discounts on sales items etc. Like a fool I agreed. I finally got an invoice 2-3 months later and the bill was $67. I called the home office and a manager apologized and said if I would pay the initial purchase the late fee charge would be waived. I paid the $32 and cut up the credit card and sent in my payment. Now 3 months later I get an invoice claiming I owe $107. I call again and the manager says they will increase the bill every month until I pay. Target is actually trying to steal money from their customers to pay for layoffs and lower business forecasts. Don't deal with a target credit card. They try to hold you hostage over trying to get you to pay $100 more dollars than initial purchase or turn you over to a bad credit rating.

I always pay my bills on time and was surprised to get an email from Target charging me $25 plus $1 for non payment of my March bill for $35.76. I called and told the rep that I had the check #, distinctly remember mailing it with a return address label on the envelope. He told me that my credit showed that I did not have to pay the service charges if I gave him my bank information over the phone. I did but was irritated because Target saves that information. The rep told me I should call in my payments in the future to avoid this from happening again. The more I thought about it, the more I began to think that Target does this on purpose to get payments faster and that my check wasn't lost, but withheld at their end. Given the size of the corporation, getting payments a few or several days earlier would make a huge difference. Somebody needs to follow up on this. I doubt that I will shop in Target anymore.

As I have seen in the many posts, my situation is somewhat similar. On or about Feb 5 or 6 2015, I made an on-line payment as I have done over the last 10 years always on time. In checking my bank account, I discovered that Target was the only bill not paid as of the Monday morning of Feb 9. I immediately logged on to REDcard account and it had in all cap/bold letters that “this was an attempt to collect a debt you are 1 day past due.” The minimum amount due had doubled and included a late fee. Mind you, my billing cycle was Feb 8 (Sunday).

I received a letter stating that Target is not able to proceed with processing my Credit Card as my Identity cannot be verified. When I called, I was told that Equifax reported that my SSN card was not reported as issued by SSN office. But, I am seeing two hard inquiries on my Equifax report from Target. I called up Equifax and was told that the report states - "Inquiry SSN has never been issued or was issued after June 2011". That is true. I am an immigrant who applied for and received a SSN in 2013. Now, I have two hard inquiries on by Credit Bureau file and I am denied a CC just because my SSN was issued after June 2011!

Have had the card now for a short period and it started out rough. First thing my first bill was never received until the day I received my second bill. I tried to contact them before had and they said "it's fine, payment isn't due yet." Once I received the second bill (same day the first one arrived) there was a $25 late fee on the card also. I called and informed them of this situation and they removed the $25 after 4 calls and about 3 hours of phone time. In the end of this situation they were informed the date and total amount agreed to be paid. For the following week and a half I received 3-5 phone calls a day starting at 8:15 am, all of which I informed them of the information they have already received.

Having been in a car accident and dealing with short-term memory loss, I closed my Target debit card because it isn't a real debit card; sometimes the charges don't come out of my bank account for days and that fouled me up. I decided to open a Target credit card so I would get a bill in the mail; that way I couldn't forget. So much for that idea. It's hard to pay your bill when you don't receive a statement. When I called Target about not receiving a bill they looked up my account and told me that in January I went online and requested no statements to be sent. That is absolutely ridiculous. The only reason I got the credit card was to get a bill.

I was handled a credit card under false pretense that was only a store discount card, I paid it off and closed it. A month later I'm set to collections for $15, since they didn't take care of it the first time, so I re-paid and re-closed it. Another month goes by and they post a negative inquire in my credit score dropping it 15 points, as not paid.

I have had my Target visa since 2000 and I have never been late paying my card, but I wasn't using it all the time so they decreased my limit and they didn't inform me of the change. This isn't fair, at least I wasn't a loser and not paid my bill.

I have not had this card very long, but so far it has been nothing short of an inconvenience. I use this card to get the 5% off. However, every time I use it, (my first complaint) it gets declined and then I have to call them to authorize the purchase, but they can never tell me why, and then immediately send me an activity alert email. Not to mention, the credit limit I was given was only $300 and I have an excellent credit score with excellent credit. My second complaint is in which every time I use the card, I then in turn pay off the balance. Target takes the funds from my bank right away, but I was informed Target has a policy in place that "large payments" take 2-4 weeks for the credit to show up in your account. Keep in mind my credit limit is $300, lol. I found this out by it declining at the check out for the billionth time... again.

I noticed that my recent transaction from Target did not come through in my bank statement so I called Target to make good of it. The Target associate on the phone told me not to worry, that the transaction would run its course and still try to take the money directly out of my account that was linked to my Target debit card, and then I would not be assessed any fees from Target for them doing this.

I got signed up for the red card. Feb 14th 2015 was approved. Made a purchase also on the 15th of Feb. By Feb 30th I realized I still had no card. I called Target's Red card customer service and was told they used my address I had on my driver's license. I told them I had just moved a week prior and all my mail was being forwarded to my current address so that should have not prevented me from receiving the red card. The rep then said he would resend the red card. I said fine, just shook it off.

Where do I even start? I've had a horrible experience with Target Guest Services and their customer service. I opened a Target Credit Card last October of 2014 and I have been a good customer, paying my bills online on time (never late or missed a payment; ever since the account was opened, I've never paid interest because I pay it off right away so that tells you something). Well, last month I changed the account I use to pay my bills through my bank. Made my usual payment on my Target Credit Card and after a few days, found a "Returned Payment Fee" on my Target account. I was shocked knowing I had made the payment on time and funds were sufficient on my account, but I got a FEE for trying to pay my bill?!! I called my bank and found that the account I was using to pay my Target Credit Card was not an account I could use to pay bills on. So this part was my fault for being ignorant. Nevertheless, an honest mistake.

The cashier asked if I had a "member card for 5% discount on all purchases" and I said no. I was then asked if I wanted to sign up for membership to receive the discount and I said, "sure, why not?" When scanning over the terms presented on the tiny payment pad screen, I realized it was talking about a credit card. I asked, "Wait, so this is for a credit card?" and the cashier replied that it was included for free with membership. I asked specifically, "Will this sign-up hit my credit report? Is this going to show up as a credit inquiry?" and was told that no, it would be a "soft inquiry" that would never show up on my credit score or credit reports. I decided to continue based on the cashier's statement, and proceeded to sign up for the card.

This morning I received an email alert stating that my bill was overdue, but I had never received one, electronically or paper. When talking to a representative, he said I had signed up for online billing which means I have to go on their website to look at my bill. They do not send out notices or billings. So I asked why when all the other department stores do. He said I need to read the agreement that I okayed it. I had never received the bill. I verified my email address but he could not tell me anything other than in November 2014, I purchased $28.30 and now my bill is 127.30.

Like many here, I was charged fees and interest amounting to 70 dollars on an 80 dollar purchase BEFORE EVEN RECEIVING MY CARD. You would think a large company like Target wouldn't jerk their customers around and slap them with ridiculous fees before they even have the ability to pay their balance. Long story short, AVOID.

I've been a customer for 14 years. In 14 years I've been late five times, and only when I lost my job and not consecutively. I was very responsible in calling each time and explaining the situation. Their solution was to charge me outrageous fees. I paid the fees and closed the card. 14 years of on time payments and usage and they couldn't come to a better resolution for a short period of time.... absolutely pathetic company. They don't care about their customers. They also reported three incorrect things to my credit, I had to fix. Additionally, the representatives will never tell you the same thing. This is a horrible company. I would love to see their Visa usage revoked.

My wife opened a Target Red Card in her name in 2013. She has both email alerts sent as well as regular snail mail invoices. We've never had a problem receiving invoices and she pays it on time and in full every month. In July I wanted to make a purchase of $87.14 and didn't have her card. I was advised to open my own account and that's where the nightmare started.

Paid my Red Card on the 6th Due date - A late fee was charged as they said it was after 5pm! It was 4pm where I was in LA. I subsequently paid the balance in full and closed my account - each month they add another $25 late fee on top of the late fee (when the payment was not late). Their records even show it was paid on the due date. The balance is $300 now - time to seek legal advice. NO WONDER THEIR BUSINESS IS DECLINING.

I have had a Target Visa Redcard since 1998. My credit limit was up to $8,000. Several months ago I noticed that my card would be denied if I was buying anything over $200. Of course, the store itself could not help me and said to call the number on the back of the card, which I did -- several times. I got someone in the Philippines; then someone in Central America. I was told because I had not used the card for about a year and because I was retired with no income stated that the computer had decided to lower my credit limit from $8,000 to $200 a month. Records show that I have always paid my bill on time so that is not an issue. The person on the phone then said he could not do anything to help me increase my credit limit, that no one could. It was up to the computer.

I requested to have a late fee charge of 25.00 adjusted to my bill of 128.00. Last month I paid 92.00. The representative stated that they adjusted a late fee in July and the policy is to only allow for one late fee adjustment per year. I explained that I am awaiting my workman's comp/disability decision and I am divorced and have no source of income and that I am trying my best to pay on time and to please reconsider. I explained that I had to be hospitalized 3 times in the past 3 months for my illness. The representative told me that "It's just 25 dollars to you. We practice fair credit card policy where everyone is treated the same no matter what the circumstance." She stated that she would be "fined 5 thousand dollars personally by Target if she credited back the late fee due to having one credited back 6 months ago." This was the 3rd representative - the 2nd one hung up on me in a semi-polite manner. I have have never in my 20 years of using credit cards experienced such rude, uncaring, unfair, unprofessional representatives. I did cancel my card - I am returning the merchandise that I can. And I will never shop there again. Keep your 25 bucks target. You lost a good customer and word of mouth travels fast.

I was approved for a Red Card online and was given access to shop online only. The system would not allow me to complete the request because I chose to pick up items from one particular store and not all items were available at that store. I tried calling several times but my call kept being dropped. The automated system says that they were having some phone issues. When I finally got through, the items were not available until after Christmas. Customer service indicated that they could not send a temporary via email nor could I use my account number and ID in the store.

I went to Target this week for a purchase of under $20 using my debit card. Within two hours someone took that card and purchased $500 worth of merchandise at Walmart. Coincidence? I have a hard time accepting that with Target's history. I would think after everything they went through last year this would have been solved. From now on I will pay in cash when the purchase is so small. But it's so convenient, which is why people use their cards.

I've had my Redcard 14+ years, yet I still have the same pathetic $200 credit limit they gave me back when I was in college. You'd think they would increase the limit every so often or even if you call and request it, but NO they don't do credit limit increases. That's the answer you'll receive online or over the phone (Provided the Redcard site is actually working), they don't even look into your credit history or history you've had with them. For 5+ years I've inquired every 6 month, and it's always "We're not doing increases at this time".

Target credit card Never increase your credit limit!! I have a 785 credit score. Cards with 10,500 limit and 5,300 limit and target red card is still at $300 dollars... really? 300 bucks, come on guys!

from 5k to 1k. When I called to get it restored they said they couldn't and gave some bull story about their policy. From reading other posts, I'm not the only one. I cancelled the account. It's OK, they have nothing I'm interested in buying anyways.

I signed up for the Target RedCard. 4 years after having said card I missed one payment solely due to their website continuously being maintenance. The day after it was due I called customer service and they informed me that my account is now shut down. I was not able to make the payment. I asked if I could speak with a supervisor, my request was declined. CS told me to pay the entire balance off and since I was a full time student I was not able to. I was now locked out of my account online and within 30 days it went into collections. I wish I never signed up and I still cringe when I get checked out at Target and their cashiers literally HAVE TO ask the customers if they would like to sign up for the Target RedCard. They have a monthly quota they have to make on those scam cards. Thanks for ruining my credit Target!

I want to love my Target Debit Card. I really do. But I have had NOTHING but issues with them. I opened up a Target Debit card back in 2011. Because things took so long to come out, (I'm talking weeks) I would have to mentally remember not count certain funds in my account and allot them to Target. After having a returned purchase I had to pay some $35 fee for my bank AND for target for a TEN DOLLAR purchase. I called and closed the account. I made sure to even call back to ensure it was closed. I even closed my bank account because I was having issues with them also. Fast forward to November 2014, I reapply for a debit card, thinking maybe things have changed. At a target guest service desk, I was told I was not "approved" for it and that further explanation would come in the mail. I thought to myself, maybe I don't need a debit card with Target anyway since my last experience did not go so well.

This last May, on the 5th, I called in my payment of $122.29 to Target Redcard. This represented the total balance on my account, so I was, to my knowledge, paying the card off in full. Now here's where I made my mistake: although I paid it on the 5th, I actually paid it after hours so my payment was technically 1 day late. I remember - now - of noting this at the time, and making a mental note to call them and ask if they would wave the late fee in light of the fact that I had just paid the card off in full. In one previous instance they had obliged me by removing a late fee for another payment I had made one day late. So I was assuming my new request would not be a problem. But then I forgot to call.

I received my statement in August. I had a balance of $39.00 in September. I paid $25.00 online from my bank and my paper statements were turned off. I paid $25.00 in October. My electronic statements were going in spam. I got call from customer service in November that I have balance of $109.00 which I had to pay out of my savings from the money I saved for Christmas shopping for my kids in order to save my credit. I really cried after getting ripped off by a name like target. I called customer service but neither the customer service representative nor the manager showed any courtesy of crediting my unintentional mistake. It is shame.

Two months ago, I received a letter stating that my bill was overdue, but I had never received one, electronically or paper. When I looked up my account, a late fee was added to my account. When talking to a representative, he insisted that my bill was emailed to me, but after checking all folders in my account, including spam, I had never received the bill. I verified my email address and was ensured I'd get all bills emailed to me. Today, I received another letter in the mail, again stating that I'm overdue and with a late fee added. Yet, I never got any bills emailed to me for the past two months. It seems like the company is trying to scam its customers into paying late fees. I'm surprised that a company like Target is doing this. I'm canceling this card right away.

I've had my Redcard for about two years. Typically I would arrange for the payment, it would clear my bank account the next day, and then within two days it would appear on my credit line. Suddenly about two months ago, two weeks would go by and the payment would still not be posted on my credit line despite having been removed from my bank account the day after the payment as planned. I've called them about four times with this problem and they have fixed it immediately.

I have had medical issues and have gotten behind on my Target Red Card. I have spoken to approximately 4 different people at Target. I explained the situation and wanted to set up a payment plan with them. My bill was originally 69.00. Now it is 300.00, with every month a late fee of 35.00. All of the people I talked to at Target wouldn't work with me. Some even asked if I could borrow the money from a neighbor! They said that their hands were tied and because my account wasn't a year old they needed me to pay it all. I wanted to pay 25.00 a month but they said that I would just keep getting further behind because the late charge was more and would continue. They stated they couldn't do anything to stop it... I asked to speak to a supervisor but none would put one on the phone... This is CRAZY that a Retail Giant like Target doesn't have a heart!! I will never shop at Target again!!!

I deposited money in a Target Visa and checked the balance and then when I went to make an online purchase it was declined and they said I had way less money than I did 5 minutes prior. When I call I have to call 2 or 3 times because they keep telling me the number on the card is wrong. It is impossible to talk to anyone. When I press the button for recent transactions all they do is keep repeating a list of balances.

My husband and I were ecstatic to begin paying down the debt we accrued in grad school and raising a family. We paid off our Target card ($500) in cash last month at the Boulder store. We closed the account and cut up the card. And erroneously threw away the paper receipts believing that the balance being 0 would suffice. NO RECORD of this transaction exists suddenly. No online receipt. No record at the branch. Mom was right. Don't throw anything away. Expensive lesson and hours worth of very little helpful customer service runaround.

Target has failed to mail me my bill at least twice, and then charged me late fees for not paying the unreceived bill. Today I attempted to use my card in a Target store. The cashier received an error code, and called "customer service." I was asked to speak to someone on the phone, who claimed my last bill was returned for an incorrect address. However, "customer service" had my correct address, I received the prior Target bill and all of my other bills have arrived. I was publicly humiliated in front of a line of people waiting to check out. I am fed up with Target and am cancelling my credit card.

When I attempted to use my Target Redcard last Christmas (I've had this account since 1999), I was declined. I had just checked my balance two weeks prior; I had $9,000 available to use at that time and no outstanding balance. When I called the company, I was told that my account did not have enough activity on it so they reduced my limit to $200 and increased my APR. Requesting an increase so I could still have a decent Christmas, I was told it could not be done, but that they would evaluate my request and send me a letter. No letter was ever sent. Several phone calls, requests and a year later, I've given up. I called to close the account - it's a totally automated process. They clearly have NO interest in keeping long-term customers or providing credit, even to credit-worthy people. It is a very strange way to do business after 15 years of providing decent service, but it's a reflection of their brand's current quality, I suppose.

I called Target Redcard customer service to request a waiver of a late fee back in July 2014. The representative agreed and so I paid the principal balance without the late fee. They never sent a bill the following month and I was away the month after. Therefore after two cycles I saw that I had a balance of 88 dollars, all the while I thought I did not owe anything. I called up customer service and the first representative practically accused me of lying. I called again and a new representative, Jaylin, told me that if I paid some of the charges I would bring up my account to current and would be eligible to remove at least one late payment fee of 35 dollars. I was not satisfied with this but it seemed like the only option. I paid 50 dollars and when I called back, the representatives said that I was not eligible for a waiver and that the representative was from collections and had no authority to promise that. So in the end, it seemed like their collections department deceives their customers into paying on the spot instead of trying to resolve an issue.

After several years of going paperless with Target Red Card statement, all of a sudden a month or so ago, when I try to sign on the Target website, I get a message that there's a problem and am offered the choice to "go back" or to contact Customer Service by phone. I must add that I have not had the CS problems that others have reported here. My question/complaint is why is the online site not available; and, if paperless billing (and payment) is still not available, just how is one supposed to receive a statement? Now, I would suggest that those who have described such terrible problems file a class action suit. I closed my account when interest rose to 24.99 but have a balance to pay off, so I would not join or initiate a suit, but I surely would recommend it to those whose experiences have been so much worse than mine. I made last month's payment by phone and will make this month's that way as well. I hope I get that nice CS representative I spoke with last time!

I called Target Red Card today to simply update my address, because I recently moved. It took 22 minutes to complete the phone call. The customer service center is located in Nicaragua. It took 10 minutes alone just to get the Nicaraguan representative to understand the correct spelling of my street name. I was put on hold twice during the phone call. At the end of the conversation, I asked to be transferred to his supervisor. After another wait, I was transferred to Gina in Arizona, who told me she would make a note of my concern and pass it along to her supervisor. She refused to transfer me to her supervisor, and refused to take my phone # to have someone return my call.

Target has a habit of accidentally not sending a paper bill or an electronic bill. This has happened twice. I am enrolled in paper billing but I don't get a Bill. I pay online but I don't get an electronic statement. But boy are they quick sending a late payment notice electronically! They have pulled this scam twice. Then they raise your minimum payment and your interest rate. They also force you to pay the entire minimum balance not just the overdue part so they actually get two payment instead of one. It's a scam and needs to be stopped!!!! I will never shop there again.

Target Redcard credit card representatives are unprofessional, mathematically incompetent, and desperate to cheat their customers. My husband and I spoke with 3 Target Redcard representatives and 1 Supervisor (Susie) over the phone with regards to our billing statement. The 3 Target Redcard representatives failed to do their job and 1 Supervisor (Susie) was argumentative, disrespectful, and was unable to do basic addition/math when viewing the billing statement.

It was the big mistake of enrolling with Target credit card. Customer service really sucks. Even their supervisors, agents are unprofessional and rude. Also their system is unreliable. They encourage you to sign up for paperless then when I try to sign up to check my balance their system does not work with internet explorer, so I have to spend some of my time to call Target and try to figure out how to sign in online. Save yourself the hassle and don't be fooled by their 5% discount. Trust me, they will make you pay for it.

In 2007, my wife (at the time) and I had 2 Target credit cards. We were divorced in in June 2012. Part of my divorce decree, the two Target accounts were awarded to my ex-wife as separate property and debt. She proceeded to run up the cards to about $2600, then stopped paying. I had no idea what she was doing with those cards until I was refused credit in November 2012. I called Target and was told the only to close the accounts was to pay the balances to zero. I spoke with my ex-wife and told her in no uncertain terms that I wanted those accounts paid and closed. She eventually paid them to zero in July of 2013. Target closed 1 account, but not the other. Target told me that two days later, my ex reported the card lost. Target then renumbered the account and sent her another card. They never contacted me or sent me a card.

I was told almost a year ago that when I made that last payment that it was indeed the LAST payment. Little to my knowledge they added some late fees, or some other crap even after they told me I had paid it off in full. Well dumb me, since I thought I had paid off the card, I set up all their emails to go to my spam folder and just threw away any mail I got thinking it was junk mail or Target just trying to get me to use my card again. So here it is, almost a year later and they now say I owe $287 for a card that only had a $200 limit! And I thought I had made the final payment according to them! So I basically had to payoff my balance twice because I was stupid and trusted them at their word. Never again with Target or any other company.

We live in Canada but own a condo in Kissimmee. We travel to Kissimmee once a year and use, use to use, Target for many of our purchases. When we went to use our Target Redcard we were told that we had no room left on our card. I place a call to the Target credit department and was told that my account did not have enough activity on it so they reduced my limit. Requesting an increase so I could make my purchases I was told they had no means to do so but would take the information needed and re-evaluate my request in 3 to 5 days. Since I was leaving for Canada in 2 days this was useless. I have always paid my Target bills on time and in full.

A month ago I was late in paying my bill, I think by a few hours, so called Target and thought the operator had waived late fee and/or interest charge if I signed up for auto pay. In fact he signed me up for minimum payment and I made him go back and sign me up for paying my account in full. The next month the auto pay did not work. I did get an email and text message saying to pay my bill but I thought that I just needed to go in and delete those options on the reminder page since the Target Operator had signed me up for auto pay and did not deselect those reminder options.

I have been a Target Red Cardholder since 2007. The credit limit has been $300 the whole time. I called every now and then to see if they could increase it. I have never been late, and tried a variety of strategies to get them to raise it... Paying off the balance in full, and keeping a balance to let them earn interest. When I call in, they say they aren't accepting CL increases at this time. That has been their motto for several years.

Approximately around the week of June 18, 2014 I realized my credit card was missing or stolen. I reported it as soon as I noticed it gone and the account was cancelled. I was told I would be receiving a new card with a new account number in the mail in about 7 to 10 days. Knowing I had a payment due on the 25th of June, I was hoping to get the new card before payment was due. I did not receive the card and went to the store to see if they could help me with the payment and I was told without the card number they could not help me. I called customer service to ask what I should do in a situation like this. She suggested I pay over the phone when I did not know what account my money would be going to since the other account was closed and I had not received a new number yet. I also did not have the money in my checking account.

Did you know there is a time limit on your due date? Your payment that you make to your redcard account online needs to be made before 5:00 pm central time. I found this out at 6:00 on my due date after having just made my payment. $25.00 for an hour late, yet still technically the "due date" for another 6 hours. Awesome. It's my fault for being a bird brain that month and not realizing the date but when I logged in I literally fist pumped and was like "yeah! It's today! Lucky I caught that, no late fee! Hoot hoot!". Then boom. 2 days later I saw my beautiful $25.00 late fee and read the fine print. I promptly closed that account and paid off my balance. Pre closing I did email them explaining the hour mishap and have never ever been late before and it was seriously a mistake. Nope. I'm 25 dollars poorer and they took my little fee all the way to the bank. Dirty dogs.

After paying my total balance, I called to cancel my account and spent 16 minutes trying to get them to close my account. Constant statements of "you don't want to do that, what if you need it, we don't give out visas anymore, what about your 5% discount, etc" finally made me just allow them to reduce the account limit to a minimum in the last couple of minutes since I saw they were all but refusing to close it. I thought it was my choice. I've never had an experience like that. I couldn't believe it. I don't even want to shop there anymore. Disturbing customer service.

I opened a Target debit card a few weeks ago. I was told that my first purchase at Target would be deducted from my checking account from my bank debit card first, then again on my Target debit card to get the 5% discount. The original purchase would then be credited back to my bank account. In the past few weeks, the original amount of $177.58 has been debited from my checking account three times. I have to call the bank every time and dispute the charge and the additional overdraft fees. Today, I called the following two phone numbers for Target: 888-729-7331, Target Debit Card Services and 888-755-5856, Target Credit Card Service, and neither number is working. The message states: "Target is presently upgrading its services to better serve you." What is going on?

I always pay my Target Red Card on time. My last payment was a day late and that is because I worked long hours on the day it was due and I was so tired I forgot to walk to the Target nearby to pay my bill. Well, I got a notice in the mail and Target Red Card (which I hear is owned by Canadian TD Bank) raised my minimum payment (tripled it) and increased the interest to 22.90%. They also charged me a 25.00 late fee and made my card .93 cents over the credit limit. I am a disabled person and this action by Target threatens my credit rating to drop and it will be detrimental for me as I am being vacated from my apartment (after living in same apt for 31 years) because my former landlord filed bankruptcy. So, now I am faced with a minimum payment that is tripled and credit rating that is dropping that will cause me to BE REFUSED renting an apartment. I want something done. Target Red Card is a predatory credit card and they need to be stopped.

Horrible experience. My payment of $27 was one day late in March due to winter storm and I was charged $26 late fee. While trying to resolve the issue, I was advised to open an online account. By mistake I was enrolled to paperless (not sure how it happened) so I did not receive my paper bill in April and missed the payment again and charged another $35 late fee. I have been trying to call customer service for months and email and send a letter. I closed my account and paid all the purchase except late fee in April. However I am still charged every month for late fees, which has compounded to $99. Customer service calls are not going anywhere. It puts a lot of anger and pressure on me. Should I just pay the $99 late fees and get over it? Target customer service said it would continue to compound even though the account was closed in April. I feel trapped by Target and will never shop there. Please help.

I made the mistake of paying my Target bill early, and then using the card again for a purchase in the same week. Apparently that then made my account "past due" by a whole 7 days. I paid the full amount including the $21.00 late fee they charged me. When I called to discuss my account, after giving my first and last name and the last 4 of my social security number, I was disconnected... Three times!

I have had a Target Redcard since 2006. It is only $500 limit which is very low. Since it is a Visa card, I have used it a couple of other places in the last couple of months and I pay my card off every month. Last month my total was close to $480 which I again paid off. 10 days later I try to use my Redcard AT TARGET!!! And was refused. Since I knew I had paid it off several days before I became very concerned about fraudulent activity. I have NEVER been refused on anything before... EVER! So I came home and looked online. Sure enough they show that my card was PAID IN FULL 10 days earlier.

If you are applying for a Target Red Card, make sure you get the application that DOES NOT ask for your social security number. We had a Red Card associated with a checking account and a cashier told us to get a new one and associate it with our Mileage Credit Card. Upon filling out the application, we find out a credit line was assigned, but only after almost 90 days because we were told all purchases would be paid in full by our Mileage Accumulation card and that sometimes it takes a while to set up. We were told it works one way by many different people including agents in the call center only to find out it works another and yet to find anyone who can help us get things squared away.

I got the red card - it is NOT a credit card, it is a debit card hooked directly to my checking account. I live in Las Vegas, NV. Around Christmas time, there was a $30(ish) charge on my bank statement, but nothing saying what it was. It had already gone through - so I was out 30 bucks and I had no idea what for. I called my bank to find out what it was, and they told me it was a "recurring" charge from Target. Since I had not been to Target in quite a while and certainly had no recurring charges set up, I called Target. They told me that the charge was made in Eastern Washington.

I received a late fee of 25.00 for a Balance of $43.66 that I paid off. I submitted my payment through my bank to arrive prior to the payment due date and my bank payment date reflects it was paid to Target on time. Target assessed the fee 2 days after the payment date stating they received the payment 2 days late. Target would not waive the fee so I closed my account. Guess I will be doing business online with their competitor. Terrible customer service experience.

I had recently set up direct monthly payment withdrawal through Target.com. I called in to check my balance & realized my payment had not gone through. I explained to the representative, they said they couldn't do anything about the late fee so I asked to speak to a supervisor. The representative denies me to speak with a Supervisor & then states she is a supervisor. After a few minutes of going back & forth, I call it quits & device to call back. A few days later I call back & same thing. The representative states they are a supervisor & then I ask to speak to management, he says he is management as well. Today I called again. The representative once again will not transfer my call to a supervisor & states that he is a supervisor. I, then, ask to speak to a manager. He says he is a manager.

This company is absolutely ridiculous. I've been a customer for 7 years and the one time I'm late they refuse to forgive my late fee. I was hung up on, told that there were no supervisors on the floor, and was denied the option when I asked to hold for a supervisor.

Target charged a $25.95 late fee for a $46 purchase I made. This after the check was mailed to them way before the due date of the 17th of the month (around Jan 30). Since on their end they posted the check on the 20th, they slapped the late fee on the customer and refused to waive it. The customer cannot be paying for postal or administrative delays in posting a check, which I was forced to do. Full disclosure: When I called on the 19th of the next month, they had levied another late charge which they did waive off as a one-time courtesy. Because of the data breach, all my other cards were frozen & I was severely inconvenienced while traveling overseas. My offer to target was keep my business, issue a new card and waive all previous fees that according to me are made in error. Solution was highly unsatisfactory & I feel cheated of my money.

I bought one $23 Christmas Gift at Target and was persuaded to apply for the Red Card to get a discount. I only had a temporary paper receipt, until the card showed up in the mail. I signed up for paperless statements, and evidently received an email statement at the end of January with the charge. January 20th, my mother collapsed in my kitchen and needed an ambulance, and later a pacemaker. She was discharged on the 23rd. This was also the due date for the charge. In addition, I get tons of promotional emails from stores, so I must have missed it. I called in February to apologize and I paid the tiny amount in full. Meanwhile, Target had my contact information, could have called me to ask for payment or report a past due amount, but I received no notice in the mail or call. They reported this tiny amount to the credit bureaus, and still list it as unpaid. I found out through another creditor reviewing my info. for a lower interest rate. Lousy customer service - no apology - made excuses - won't be shopping at Target anytime soon.

I was one of the people whose information was stolen on the first day of the hack, although it was not my Target card. In the midst of dealing with that mess, I resorted to cash only at Target. Apparently, this is unacceptable at Target, because they repaid me first by lowering my limit, then by closing my card. I found this out through my constant credit checks due to HAVING MY IDENTITY STOLEN AT THEIR STORE! To this day, I have not received anything in the mail notifying me of their actions or explaining them. When I called them, they said I should reapply for a higher credit limit. I informed them that I will not be reapplying or even setting foot in their store again.

I had lost my whole purse during an event so needed to replace all my cards including the Target card. The only way to get help with the card, is go online or call their customer service. I requested that my card be replaced which they promptly responded to and said they would mail it out. 2 months later, after a couple of shopping trips to Target, I am still without the card, because they never sent it out. When I called them again, they mentioned there was a hold until I verified my address. I verified my address and said they would mail it out. I didn't receive the second one either. Again a few months later, I called as I had already spent a considerable amount of money at Target and the card would've given me some discount. I called again and the customer service agents, said it was still on hold because my address wasn't verified. So he corrected it and said it would on it's way. It's been 10 months and I haven't received it yet. I got very tired of their inadequacy and had my account closed. I was informed that I would receive a discount if I had my receipts and applied for a new RED card.

Attempted to make payment on target red card. Was not aware that Target had the power to dictate how many hours are in a day. Even if you make your payment on its due date, if it is after 11 p.m. Central Time it is considered late. Was not aware of this but still had time to make my payment before 11 p.m. Central Time. However their automated system disconnected me 2 or 3 times and by the time I was able to speak with someone it was a couple minutes after 11 p.m. Therefore they said that I would be charged a late fee.