Target Credit Card Reviews

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.

Mailed payment for my balance in full to Target 10 days prior to payment due date. 3 weeks later my payment has still not been applied and I was informed by customer service "they are extremely busy and it can take up to 21 days to apply a payment to my account." 21 days. (Check payments made to other banks - Discover, Wells Fargo - were applied to those accounts within 7 days).

I was one of the millions of victims of fraud via Target's red card. My total was well over $500 taken out of my checking account because I mistakenly used their red card and tied it to my bank account. What a disaster! After reporting all of the fraud to my bank and removing their access (through my bank) to my checking account, Target is now coming after me for all of the charges that are fraudulent and trying to tack on an additional $35 fee per transaction! I have called their "customer service" multiple times to no avail. I can never get through and today, there is a recording that their "system is down." What a joke. I am shocked and disgusted at their lack of integrity.

I was on a payment arrangement with Target's Redcard. I was nearing the end of the term, so I figured I would pay it off early and get my credit restored. I called Target twice to verify that I could do this. So I made the payment then, as per instructions, I called with the confirmation number to have the code removed and my credit restored. First, it took me 55 minutes to even get through to anyone--calls kept dropping, then they'd say they had to transfer me and then I'd be on hold again, and so on. Finally I got through to a real person, who then told me sorry, they couldn't remove the code until the end of January because--even though I'd paid off the agreement early that's when it was scheduled to drop off. And this in spite of two reps telling me otherwise. They claimed it was a federal law! Really?? They'd get into trouble because they released a code early because a consumer/customer actually paid something off early?? It makes no sense whatsoever!

Security Breach - The minute I heard about the theft and realized I had used my Target Visa credit card 10 times during the time frame, I immediately checked my online account. It was still correct. Thank goodness. But I kept trying to call the phone number they gave us to use. Keep being told to hang up. I finally emailed corporate headquarters and asked to have a new card issued with new number, new expiration and new security code. I received an email from Melissa stating that that would not be necessary and that no new cards were being issued but instead to watch my email for information on how to receive one year free credit monitoring. I emailed back and stated that was like wondering why the horses got out because I closed the barn door too late.

I did not have my Redcard on Black Friday to shop online and called Target.com to see if I could get the "5%" Redcard discount applied to my order after shopping. I was told, "Go ahead and buy everything", "no problem we will just adjust the price for you later." After spending over $1000, they have now wasted 3 hours of my time by putting me on hold for 20 minutes and then hanging up (on 5 consecutive calls!!!!) & sending me to the store to try to speak to a manager (who, of course, referred me to call customer service). Apparently, the "Target policy" to honor the 5% discount for Redcard holders requires the customer service agent to make a notation on the account before the purchase... However, none of the three Target.com service agents made any notations on my account - how convenient for Target. Lesson learned: TARGET DOES NOT HONOR THEIR WORD. I will never trust anyone from that company again, especially seeing how they treat their most loyal consumers behind the scenes. You would think after such a huge security breach of their customers' financial information they would want to do the right thing.

I recently called Target's customer service (12/23/13 @ 8:35 a.m.) regarding my target Redcard. I called because I noticed that an unfamiliar purchase was made using my Target card/account. According to my bank, the purchase was made on 12/22/13 or 12/23/13. I haven't used my Target card in about a week. When I called & spoke w/ Denise about my concerns, she was neither sympathetic nor friendly. Considering Target's recent security issues, it should have been no surprise that a customer would call with concerns an unfamiliar charge. Denise stated that the charges were made over a week ago, but I explained to her that my bank had already informed that the charge was made using my routing & account number, not used in the store.

I tried calling the number on the back of the Target Red Card all day on 12-20-2013 and got busy signals all day. I got through at 11:30 PM, entered the last 4 digits of my Target Red Card, pressed the # key, the last 4 digits of my Social Security number, pressed the # key, chose option 4, chose option 3 to cancel the Target Red Card. The system then tried to transfer me to an agent but all were helping other Target Red Card customers. I was put on hold. I kept getting a message they were busy helping other customers and thanking me for staying on hold. I hung up the phone at 4:30 AM after being on hold for 5 hours. I need to cancel this card because of the identity theft possibility caused by their security breach. Target is not performing their customer service obligations. I tried calling the number on the back of the Target Red Card the morning of 12-21-2013 but again got nothing but busy signals. Target is not properly staffed to support their customer services during this security breach issue.

For you trolls who defend the Target Red Card, you obviously work for Target. I know many people, myself included, who are completely done shopping at Target due to being asked to open up a red card, EVERY. SINGLE. TIME. I. GO. SHOPPING!!! Even the time I ended up going back to Target a second time within 10 minutes, because I went out to my truck and remembered that one item I forgot, I went in the SAME line, with the SAME cashier, and she asked me if I wanted to open a red card, AGAIN!!! And they don't just stop there and take NO for an answer. Most of those pathetic cashiers keep pushing it after they clearly see the customer is agitated. I started telling the cashier right as it was my turn in line, "NO, I don't want your Red card!!" They would still push it! Well now I'm a 100% Walmart shopper due to their annoying marketing tactics!

On Dec 6 the Target Red Card site indicated the following charge - 12/6/2013 AUTO PAYMENT 669.17 Department Store.

(Amazing) This is the only word that I can simply use to describe this card. They have a Debit or Credit. Many people who have a problem with this card do not truly understand how it works, pay their bills on time, or do not keep track of their finances. Target really tries their best even to help you out by putting your Red Card transactions on their website. Click Manage your Red Card on Target.com to find this out. They process your transactions within 24 hours. It depends what bank you have but normally the Debit takes 2-3 days but it would be the same exact thing as writing a check and waiting for it to process with your own bank.

I am very frustrated with Target. I had taken out their redcard that is supposed to save you 5% on all purchases. I had gotten no call from Target re the account or late fees. I had received 2 bills in the mail stating that I owed on the account. What makes the situation 10 times worse is that I have yet to receive the card from Target and am being billed for a service I did not and have not received. Getting customer service on the phone is ridiculous, in over several months I'm just receiving a call re payment on said account. I guess when they figured it had gotten to a certain amount, that they would try and contact me. I am at a loss for words and very disappointed in Target's lack of consideration for their customers. I end up paying triple for the products I had initially purchased. Worst experience yet.

I thought it was a good idea to open a Target red card while shopping in the store. This red card is NOT a credit card, but rather a debit card that is linked to your checking account. The problem is, I have 2 accounts. One for bills, the other for purchases. I was prepared to pay with the debit card I was using for purchases, but was told I could not receive the discount unless I used an account that has checks on it. So, I gave the cashier a blank check to use- which was linked to my bill checking account.

I got this card 5 years ago when I was beginning to build credit. I have had trouble since day one. Most of the time it is for bogus fees they charged. This year is when I just lost all respect for the company and credit card service part. I was checking my credit score and noticed that I had a delinquent account which I was very confused about. Come to find out they charged me a dollar for a minimum fee randomly one month. I called them and they said that they sent me a notice in the mail but it was the wrong address so after that they keep charging you late fees and don't attempt to do anything else. I called to make a payment over the phone, three times it was returned and my bank said they didn't even attempt to collect payment. Finally I tried a 4th time, it worked, magically.

After being advised of summer address - never sent statements to said address. When returned to permanent address, found statement that had late charge and interest added to a/c - late charge is more than any a/c I could locate - unreasonable. I sent in the June payment because I called and they refunded the late charge; however, they would not reverse the late charge on the next statement even though they did not send the statement to the summer address as directed. The time I called to request balance because I did not receive statement as requested. I was treated rudely by the first person I spoke to - talked like a broken record - and when I was called backed by a supervisor - after numerous requests - was told their policy was only to forgive one late charge and did not wish to hear that they had not changed address as requested and if they did their bill would have been paid timely - as it had for many years in the past.

I received a Red Card in the mail 2 months ago without applying. I used it twice for small purchases and noticed that a month had passed and I hadn't gotten a statement. I thought this was highly unusual, but thought that maybe they were just late in getting them mailed out. I got an email today that they were trying to "collect a debt." I called the 1-800 number provided and told them the situation. Said I would be more than happy to pay the charges (under $100) if I could just get a statement. The customer service rep was Tricia and she was extremely unhelpful and basically accused me of lying about not getting a statement. I assured her this was NOT the case and that I had been wondering myself why I had not gotten anything.

I have been a customer for 10 years. I always pay off my balance every month. My credit line was reduced from $5000 to $500 due to inactivity. Target refused to reinstate my previous credit limit. After telling me how much they appreciate my business. Obviously not!

I had business for eleven years with Target and Target VISA credit card. Never late, never a problem. I spent thousands in Target stores and Target.com. I had two checks bounced during 2013 but my payment was honored right away, even when Target never made any contact with me or notified about any problem. I called last September 7th, 2013 to customer service and an employee confirmed that my account was okay since my payment was made. Two days later, my account was closed and reported to the credit bureau agencies. This is funny considering that 48 hours ago, the same company was confirming that my account was fine.

Target has charged me excessive fees amounting in $130 for the past 4 months.

I have been a customer with Target since 2006 with perfect payment history the entire time. Back in November/December 2012 I received notification that my payment was late. I had not received paper statements or email statements; therefore, was unaware of a small balance on the card. I was subsequently charged 2-3 late fees totaling $60-$90 if I remember correctly. I was able to have one or two of them removed but not all.

I have been with Target since 2007. Never missed a payment, never late, with ANYONE, 100% on time payments. In 2012, I paid off Target and a few others to get out of debt. Last month (Aug 2013), I got an "alert" from Credit Karma about a negative on my credit report. When I checked it was because Target lowered my limit from $2000.00 to $200.00 for inactivity!!! It was LESS than one year, AND I was never notified. Of the 4 cards I paid off... Target was the ONLY one to penalize me. I was just going to use Target again for some college items for my daughter and they did this!!! I cannot get anywhere with phone calls. They ABSOLUTELY DO NOT CARE. DO NOT GIVE TARGET YOUR BUSINESS. They will screw you over with NO recourse.

My husband died & the Target card was in his name - I had a card in my name. I phoned them to see if I could just take over the acct. I couldn't. I was told they would close the acct & I would need to apply. I did, got a rejection notice in the mail. Called again. They said I needed to pay the $45 bal & re-apply. I paid the bal & waited 3 wks & re-applied. Got a 2nd rejection letter. The reason for the rejection on the 1st two rejection letters was 'Previous Target Acct.' Seriously? Of course I had a previous Target account. Wrote the company & cc'd the CEO at their corporate offices. My credit is good, I make a good salary, we never missed a payment on the Target card - why would they not give me a credit card? Received a 3rd rejection letter. Waited another month. Applied for a debit card -- rejected. A debit card? Where the charges are taken directly out of my bank account?

So I was late with my Target Redcard bill. I owed $25.00 on a balance of $300.00. It was due on August 25th, and yes, I missed it. I did auto-bill pay on August 29th of $50.00 without knowing this was such an important matter. On September 1, I received an email on my phone stating that there was a "bill collection problem" and I need to contact them. I wasn't sure if it was a phishing scam or not, and I was on vacation so I did not contact them. I came home today and there was another "bill collection problem" letter awaiting me. Really, 9 days late and I've gone to bill collection? I'm insulted.

I made $32.99 charges to my target card. I sent in my payment 2 weeks late for $32.99. What I didn't realize was the minimum balance due was $51.99, due to the late charge. Two weeks later I get a letter for an attempt to collect a debt, and another $35.00 fee (total fee's $60.00). When I called customer service they told me they will waive the 1st fee of $25.00, but the $35.00 remains. I also had to give them my banking routing number, which didn't set well with me. I paid the fees and asked the rep to cancel my card. He said as of now they haven't put a mark on my credit score, but if I cancel my card they will. Really... cancel the card now! The Worst card I have ever had. Oh yeah he also informed I will never be able to get a TARGET CARD in the future, THANK GOODNESS!!!!

I was shocked at the number of people who had similar experiences as I did. I recently purchased a home and went to Target to open a credit card account in May. The very first month I didn't know how to pay the $150 bill online so I walked in the store and paid it because I always pay the whole amount as early as I can. Apparently I paid one day late. I didn't even think about it until the $35 fee was on the next statement. I called into customer service and they were so nasty to me. I knew something was rotten right off so I told them to close the account and I would dispute their practices. Silly me. I'm busy fixing up my house and forgot all about it thinking the account is closed. They continued charging fees to my account and damaging my credit. By the time I realized what was going on the bill was $129 and my excellent credit score was lowered. I'm still in the process of fighting this. They're the most disgusting company I've come a cross for a long time.

I purchased some merchandise on July 5, 2013 from Target in North Charleston, SC. I went thru the checkout and the cashier asked me if I wanted to sign up for the new debit or credit card for Target. He told me information about the product and told me it would be linked to my checking account. I asked was there any fees if I don't use the card. He said no and whenever I make a purchase it would take off 5%. Also it would be like using my debit card. So I said, "Ok sign me up and can I get more information on it?" He went to every register and there wasn't a brochure to give me, told me to call the 800 and they would explain to me further and apologized about it.

Red Payments is the Worst business I ever dealt with! They will RIP you off for sure!!! The sales guy gave me a really good deal (too good to be true. It is not true) on merchant services, which was $60 per month flat fee. But when the statement shows up, it was $880 on the first month. I called my sales, he promised me $400 refund and lower my rate. I never received my refund and second month the bill was $930. I was upset and when I called my sales again (he gave me his cell number to earn my trust), he told me he quit. He also told me Red Payments was a bad merchant services company, I should just cancel my services. Then, I called different people work at Red Payments, include Ross, Katherine. They kept lying to me. I never got a single dollar refund. I filed a complaint at BBB. A manager name Aleksandra responded to me. Nothing improved, never get back my money. Red Payments, a merchant service company located at New York, stay away from them! They're ALL liars!

I had a horrible experience with the Target credit card. First, the card was pitched to me as a "rewards" card. Turns out it was a credit card. Okay. I should have cancelled it then and there. But, I went ahead and used it a few times. At one point, when I had about $70 on the card, I decided to pay it all off. Because I thought I had paid the entire balance, I ignored my statements for a few months. Apparently, I was charged "interest" after I had paid off the entire amount. Because I owed interest, and didn't pay it, I was charged a $35 late fee per month. And because of this, my CREDIT SCORE went down!

I wish I had one good thing to say. The first statement I got already had a late fee. Customer service has you go around from one menu to the next. Took me 10 minutes to get to talk to someone. When I finally reached someone, that person was very rude. I had a good attitude at the time of calling. I'm always very respectful toward representatives, but this one got me plain old fuming. She was able to take out the late charge 'as a courtesy' (I guess the only good thing, but not the interest.) I don't get how companies are still run like this. HORRIBLE!

Because Target does not check IDs... I had my wallet stolen and the thieves were able to go to Target with three of my charge cards. They made 12 attempts of purchasing gift cards. 4 times with each card, they would start at $2,000 and move down if declined to $1,000, then $500. All attempts were within minutes, even seconds of each other, all at the same store in Brea, California. They were successful at getting $4,000. The fact that this did not draw a red flag or that they did not try to check ID for a $2,000 gift card purchase is complete negligence. Target needs to be held accountable for their actions!!!

Target went paperless with their bills 2 months ago. They sent an email on the 26th of the month when the bill is due on the 22nd. Each month, they charge a $35 late fee. I have been a member since 2008, but today, after talking to customer service, I cancelled my card. I have never been late and hardly ever use this card. In the last 3 months, I charged $245 and ended up paying $342 because of their so-called late fees. I just wonder how many other people they are doing this to.

Upon calling the Target Card Services the 2nd time in 3 billing periods (for "past due payments"), I was rudely hung up on after being told by the customer service rep that I "should not be using the US Postal System, as it is unreliable and the mailmen are careless." I was highly insulted as my husband has been a US Postal letter carrier for 23 years. Upon calling back to speak to a supervisor, I was told it "couldn't possibly be Target Card Services’ fault" even though the first time my check miraculously appeared at Target Card Services 3 days after I had to call and supply them with my banking information.

I recently called in to pay the Target Red card off. I called into the automated phone system on the 1st. I had a choice to pay the minimum balance due or the total balance. I picked to just pay the total balance since it was about a $30 difference. After paying this off, I received a statement yesterday that said I owe $39 and some change for a late fee. They said that the system cycles on the 28th. So even giving the system a few days and paying it, that should be my total balance. Looking at my statement it says this fee was added on the 28th. If I'm making a payment on the 1st, it should reflect that. Personally, it's not my fault. Maybe the automated system should say "This might be your full balance due, but we'll see."

These were excessive late fees triggering more for a balance that was paid off at the beginning of the year. The fees have snow balled into $90 balance of charges. Issue was to be resolved last month after I spoke to their collection agency but the credit is calling again, threatening to report to credit even though the issue was corrected the previous month. This needs to stop somewhere. This is the worst customer service I have ever had with credit and collections ever! I have filed a complaint with the Federal Trade Commission for unfair credit practices.

Target Redcard - I had this card since February 2013, not long at all. When setting up bill pay on Target website, I inadvertently transposed a # of my checking account therefore the payment was returned. Every payment made (on time - may I add) they have put a hold on because of that one returned payment - which they know was an incorrect acct # because I called up immediately once I knew payment did not go through ... and made arrangements over the phone. I diligently check my account online and every single time I've made a payment, they post that I've made the payment, but my money is "held" and does not go back as available credit. This is even checking my own bank account to see if the money was withdrawn, which it has always been taken from my bank account.

If you use this card too much, Target believes you are using it into something commercial. According to them, if you try to communicate to show and prove they are wrong, it is impossible. You call and it goes to the Philippines, and they have no idea how to understand customers. The 5% to help school and children, that is not true. I have Target for over 19 years that I bank with at 17.99%. I asked them if they could lower the interest rate and they said no, not at this time. So I found a credit card with Chase, the Slate Visa, to do a balance transfer with 0% for 1 year. So I am in the process of change. Please check your cards. Target is not among the best.

I rarely have a complaint or dispute regarding credit cards because I find them fairly straightforward. However, I just hung up so frustrated with someone in the customer services department that I literally cried. All of these other customer complaints are completely accurate. They post payments late, freeze your card for bogus "unusual activity", and have the coldest customer service agents I've ever encountered. I had fraudulent charges on my card and was told in the store when I was trying to make a payment to contact customer service before proceeding with the payment to be sure everything had been cleared. We tried calling customer service in store from Target's landline but the customer service department was already closed. I called the next day and was told that being late with a payment because of fraudulent charges was unacceptable. What type of professional speaks to a cardholder of 9 years like that? I was just following the advice of the in-store associates.

I mailed a payment in January a week before it was due. They were apparently busy and did not process my payment until the day after the due date and hit me with a late fee plus interest. I always pay my bill on time and in full. When I called customer service (if you can even it call it that), they said that it's my responsibility to overcompensate when mailing in a bill because it is not their fault it took a week to process; that the postmark date had no bearing and did not count that my payment arrived on time. Also, that the payment was literally processed hours after midnight of the due date. Obviously, this has impacted my shopping at Target and I told them where they could stick their lousy 5%!

I just got this credit card and it being less than 60 days old, I already have a complaint with its unbelievably indifferent customer service representatives. I tried to change my address and I was denied to do so because it's a new account. Thank God, I don't get paper bills. But I have already changed my address with all my other cards, store cards and banks and the only company that has given me troubles is Target. I'm highly disappointed. I will never recommend this card to anybody!

I accidentally used a closed account to pay my Redcard bill online. Once realized, I first attempted to go online to pay using another card (Target had suspended my ability to do that). I later went to the Target store (on a Saturday) and made an even larger payment using my BofA debit card. Here it is Thursday morning, and they have not yet posted my payment. When speaking with the representative last night, he offered to do a concall with my bank to verify funds have been sent. Shouldn't they need to verify with their bank that they have been received? Why is it that the posting take several days, yet if I were to use my BofA debit card to purchase something out of the store with the approval sent to them electronically, I'm able to take my goods and leave the store? Are they just hedging a bet at that point, trusting me that their bank will later receive the funds?

Earlier today, I called the number that was on the back of my Target Red Card because I wanted to cancel it since it was now completely paid off. I have been paying off my cards and then cancelling them to get out of debt. When I got connected to a woman (who I could barely understand by the way), she asked why I wanted to cancel it. So I said, "I've been paying off my cards and cancelling them to get out of debt." She then proceeded to ask if my debt was because of mortgage or something and I felt that was strange to ask. I replied with, "I would just like to cancel my card, please." And she hung up on me! That took me completely by surprise!

I was asked to open a Target credit card when I was buying a new TV at Target. I was told I'd get an additional 5% off on a $500 TV I got on sale; the offer made the deal even sweeter. When the in-store application went through, I only got a $200 credit limit, not enough to cover the purchase of the TV. I only got $10 off the purchase and owed the balance of the sale and ended up paying for it on another card. I guess I should have refused the Target card offer right then and there, but it looked like the sale was already processed, and I had already spent a lot of time researching televisions. Anyway, I was not happy with that, I have excellent credit, and $200 limit seemed a joke. I think they gave me a low limit because they did not want to give me the full discount. Then 2 months later, I still do not have a credit card from them.

With two incurable diseases, medical bills and approaching my 78th birthday, I called to try to negotiate a lower interest rate on my $2,280 balance. The representative said no negotiation was possible and that they had no person or department available to negotiate balances or interest rates in any circumstances. On a second call, trying to see if a different agent might have different answers, I got an agent who said they could perhaps - emphasis on that word - lower my payment by $10 a month which would result in my paying off the card in four years, but that would be the extent of the help. I told them, cordially, that this was in fact poor business, because they would have a great deal more trouble collecting the money from my estate since I would not be alive in four years.

I use an online bill pay service because I travel constantly. Some months ago, Target changed their website log-in process so my bill pay provider was unable to log in and retrieve my bills. Long story short, I got behind on the payments and have set up a repayment schedule per the Target website. Target customer service continues to harass and attempt to intimidate me with threatening calls to my cell phone several times per month, even though the repayment schedule has been followed. The latest phone call was today, three days after I had received an email from Target thanking me for scheduling my bill payment. Enough!

My husband and I have (had) excellent credit. Our score was above 800. We have never been late on any payment. We value our credit. I say all of this to just give you some background on our credit history.

I have a Target credit card. I was checking out and the young lady checking me out said my card was "refused." I was stunned and ticked off. She called for another lady to check it out. She punched in some numbers/info and told me she would check me out at the customer service desk. She put in my credit card number; again it was refused. She then told me she would call the customer service office, and handed me the phone. As I was explaining what was going on to the person on the other end, she told me my account was overdue.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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