Target Credit Card Reviews

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.