I've had this card for a little more than a year and they've been steadily increaing my limit without me having to ask. I'm not even sure if there's a place on their website to make a request for a higher limit but I started out at $600 and then it was $1000. Then one day out of the blue they thanked me for my business and bumped it up to $1500. Now I'm at a $2300 credit limit which is great because it gives me that extra room to maintain a low utilization rate. I use it primarily for a few groceries and most of my consumables. But what I really like about it is the ease of use when it comes to making payments. Other store card sites have me searching and digging around to find the area to make a payment but Target clearly says "Pay Bill Here". ?
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I got a Target redcard credit card, 3 months in, making my payments and all of a sudden I'm seeing my payments taking 1-2 weeks to post. Electronic payments mind you, in this day and age. When I call Target Redcard, they are telling me that they need to dial my bank on a 3 way call and have me enter my bank credentials to verify those payments..... What? I work in a bank, this is how people are scammed. I hung up and called them back, talked to a different associate and they told me the same thing. Unless Target is so cheap that they are still using computers from 1990s to process "electronic payments", I don't see how it is possible to process a payment for 2 weeks. It deducted from my bank acct same day, but somehow does not reflect on Targe Redcard for 2 weeks and the support line is useless!!! Cancelling this RedCard, it is not worth the 5% to expose your bank information to Target support teams in India
All member reviews (124)
Target did not legitimately attempt to contact me after I thought I paid the 1K credit card balance in full, but there was a $100 balance left over. I would have paid $100 immediately had I known. Target is going down the drain. They've given me enough reasons not to shop there any more.
Told me they were delivering and never did Never shopping again with red card from ATARGRT
Signed up for a payment plan due to life circumstances and they continue to give you $40 late fees when enrolled on an autopayment schedule until your 3rd payment. Unethical and nonsensical.
Since I used to work at a Target store as a guest advocate, I got a RedCard several years ago. It was more-or-less to help my manager, but since then, because I pay it on the button, I realized it has helped my credit tremendously. Now, I understand that as of recent, Politics has gotten involved in Target, so I don't want it anymore, however, because I realize that it will hurt my credit to drop it, I will let it die off with lack of use and have it on my credit for 10 more years.
I pay my balances every month then the next month it’s the same thing my payments sometimes doesn’t get applied and it carries to the next month when I call customer service I don’t understand the people target uses. I try and explain I shouldn’t have a balance the following month for the same thing if I pay my balances every month. I’ve had this happen 2 x so far I’m ready to just cancel the card so frustrating
Horrible customer service and payments made are never applied! Made a payment of $100 waited a week and the balance on my redcard remained the same! Called them and asked them and they say payment was applied when I know it was not. Balance I own is $700 made a $100 payment that balance should of gone down to $600. But they say it has been applied. They are thiefs!
absolutely the worst experience I've ever had with credit agency. I logged in online and entered my banking information and for some reason it didn't go through. I was not alerted that payment information was not going through. I was not alerted that I was past due. I had no idea that the payments work going through until I received a notice from Credit Karma telling me that TransUnion was reporting a late fee. I made one $45 purchase and then received too late payment fees totaling $70. absolutely unbelievable. when I call in for help I was lied to over and over again. if I ask to talk to a supervisor that they would just put me on hold and wait for me to give up. They would tell me that they're going to transfer me to the dispute center and put me on hold and wait for me to give up and hang up. I would call back again they would assure me that they were going to help me and each time they would make up another lie that they were refunding my money that would come through in 24 to 48 hours. they are trained to tell you whatever they think you want to hear to get you off the phone. They didn't keep any of their promises. I can't believe companies like this are allowed to treat people this way. As far as I'm concerned they robbed me for $70.
I use my RedCard infrequently enough that it's sometimes hard to recall when I need to payment. Trying to set up an auto-payment for the exact balance each month had been annoying difficult and it has cost me extra cash. The savings have been wiped out. Enjoy the extra money I've given you RedCard, here's a helpful review.
Trash customer service. For a company whose app sends dozens of push notifications DAILY for items “you may be interested in,” the customer service and absence of reminder services for the Red Card due dates for that “trip to get more body wash” could cost you on your credit report. The push notification I did finally get was from a credit monitoring service AFTER the account was past due. At least other companies will give a courtesy call to say “hey, you paying this or no?” Because they understand life happens and people forget things. Not Target, they want that late fee payment, interest fee payment and have zero care for their customers.
Recently applied for redcard 3 days later I received call saying they needed copies of drivers license soc. Sec. Card and recent utility bill. Told person to withdraw application. I just bought tv from them getting ready to buy dresser, not any more! I will not shop there any more! There's other places that are upfront and honest I'll give them my business
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