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Target® Visa® Card
Issued by Retailers National Bank |
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| Total Posts: 83 |
Average Rating:
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Category: Reward - Retail |
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Showing 1 - 10 of a total of 83 Commentaries |
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1-10 | 11-20 | 21-30 | 31-40 | 41-50 | 51-60 | 61-70 | 71-80 | 81-83 |
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| "Residual fees" |
| I believe these residual fees should be illegal. People pay off their credit card account and all of a sudden get hit with a residual fee--for me a few dollars --but I truly believed my account was paid off and if I hadn't by chance looked I could have been charged with late fees on top of all. A scam~ Apalled that Target is now doing--AM EX did this to me--not only did I pay off one resdidual fee (within two days) I got hit with another-complained to the Att. Gen got some money back--cancelled the AM EX card but they seem to keep me on their roster of card holders? Have written to Target--if they use residual--like it appears they are starting to do--I will never, never shop there again. |
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| Most attractive feature: I guess a 5% off of cost at time of purchase |
| Least attractive feature: You pay your credit card off and they then charge "residual" fees. |
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| Posted by: fedup |
| Date: 3/8/2012 |
Recommend?  |
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This person does not recommend this card.
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| "Steer clear" |
| I paid off my balance and was going to use the card for emergencies. They closed the account. I reported them to the better business Bureau and they reported my account as closed. Now today they reopened the account and reported that I opened new credit. My credit score has gone from 765 to 735. If you spend a lot they raise your credit limit. If you stop spending they lower the limit to have you as close to using maximum credit as possible. Then if you pay it down to be a reasonable rate. Say 30% of your total credit they drop your credit limit again. They don't care about people and they always say they reserve the right to do certain things. Well, you may have the right, but that doesn't mean it is good for business. |
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| Most attractive feature: None |
| Least attractive feature: They raise your credit and lower it as they see fit |
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| Posted by: Joel |
| Date: 10/28/2011 |
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This person does not recommend this card.
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| "DISCRIMINATE!!" |
| I always paid on time and far more than the minimal payment. They lowered my credit limit & then revoked the card because of my husbands credit history! He had nothing to do with my card. I paid it off and they did not e-mail me with a confirmation. GUILT on their part? They are Rude to anyone that disputes any matter with them! |
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| Most attractive feature: NONE !! Their Bank is rude & does not care about people!!!!! |
| Least attractive feature: I cannot sum it up in 15 words or less!!! |
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| Posted by: Susan |
| Date: 8/2/2011 |
| Recommend? |
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This person does not recommend this card.
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| "Holding Payment Without Cause" |
| We have been a card holder for 9 years. NEVER had any issues until this month. Made a decent sized payment to allow for some credit line to be used for business travel. Payment has cleared my bank, they have had the funds for a week. Yet they now tell me that they can take up to 15 business days to update your available credit. NEVER had this happen before. They have been extremely rude about it as well. Not to mention they arbitrarily raise your APR AFTER you have a balance. We are paying it off and NEVER spending a penny with Target. |
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| Most attractive feature: It's a credit card |
| Least attractive feature: Robotic, rude and wisecracking customer service |
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| Posted by: Mr Stuck |
| Date: 6/10/2011 |
| Recommend? |
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This person does not recommend this card.
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| "BEWARE" |
I have a 700+ credit score and have paid my Target bill on-time for over 10 years. In spite of this they have raised my interest rate to over 20%. No other credit card of mine comes close to this usurious rate. At the same time they are totally unwilling to consider a more reasonable rate.
The increase to a 20%+ interest rate was completely arbitrary. So..., don't be surprised if they boost your rate for no particular reason.
They are like no other company I have ever dealt with.
BEWARE!! |
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| Most attractive feature: None |
| Least attractive feature: Interest rate rip-off. |
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| Posted by: Daniel |
| Date: 6/6/2011 |
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This person does not recommend this card.
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| "No more Target Credit Cards" |
| This credit card is the worse thing I have ever had. I thought my current balance was getting lowered as I kept paying it then all of a sudden I check for my amount due they raised the current balance.They are a rip off and no one deserves this. Be very careful with these credit cards. I'm no longer using the card and can't wait to pay it all off and get rid of the card and account. Trust me it is not worth it at all. |
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| Most attractive feature: Card is pretty. |
| Least attractive feature: Interest and payments are ridiculously high |
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| Posted by: Mrs. P |
| Date: 2/8/2011 |
| Recommend? |
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This person does not recommend this card.
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| "NO TARGET!" |
| I had my card for 12 years, 10k limit. I have charged it up and paid it off like 6 times. I was never late, always paid more than my minimum...and then i noticed that my minimum went up big time. i called to find out what happened, and was told about the "across the board" rate hike...took me from 10% to 19.99%...ummm, WTF? so they SAID they mailed letters telling everyone, but you know what? I had paperless for a reason...I never opened the mail because they send everything to me via email. so I didn't get the letter, and they didn't care. I made the purchases that i was paying on when my rate was 10%...but when they hiked it up, I began paying a higher rate on the same purchases. they didn't care. i was disgusted and closed my account. 12 years of being a loyal customer with no benefits to their card and i don't even like their stores. |
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| Most attractive feature: nothing |
| Least attractive feature: interest rate hike, with no notice |
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| Posted by: Stephanie |
| Date: 10/17/2010 |
| Recommend? |
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This person does not recommend this card.
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| "Closing accounts wiithout letting customers know" |
The Target Visa card has changed since I opened an account three years ago, only offering 5% discounts whenever one shops at Target. There are few other benefits from having this card.
I found out that my account had been closed after less than a year's worth of inactivity without notification. Interestingly, I found this out after I had attempted to access my online account information and failed . . . I gave Customer Service a call and they explained that after a year's worth of inactivity, they close the card down. So unless you are a consistent and constant user of the Target Visa card, don't open an account. It will hurt your credit if your account is closed, and it's a hassle to reapply for a new account. |
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| Most attractive feature: Discounts |
| Least attractive feature: Account practices |
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| Posted by: W |
| Date: 8/14/2010 |
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This person does not recommend this card.
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| "Interest rates" |
| I have had my Target card since 1998 and in the last four months I have called their so called customer service line to see if there was any way to lower my interest rate at all. The lady who did not speak nor understand English, kept saying last month, last month, Really because I called last month also and heard the same exact thing!! As soon as I pay this card off I'm not sure who to tell but I'm telling everyone stay away from Target's credit cards!!!!! Don't do it!!! |
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| Most attractive feature: If you consider 10% off one shopping trip the best. |
| Least attractive feature: Highest interest rates, the absolute worst customer service!!! |
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| Posted by: Alissa |
| Date: 7/6/2010 |
| Recommend? |
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This person does not recommend this card.
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| "Target Visa has been closed" |
After having a Target card since 2001 and paying on time over the years, I finally had to close my account. During the last 12 months, the interest rate was increased 4 times. I had to opt out of the increase scheduled for Jan. 2010, because my minimum payments go up with each increase and it was getting to the point where I wouldn't be able to make the required payments. I received a reply to my opt out letter yesterday and Target states the account has been closed due to my not accepting the rate increase. Well good riddence to Target Visa. Target doesn't even have merchandise I like anymore.
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| Most attractive feature: Discount on signup at Target, earn points for 10% discount at Target |
| Least attractive feature: Periodic interest rate increases, customer service reps can't understand English |
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| Posted by: Kevin |
| Date: 1/3/2010 |
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This person does not recommend this card.
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Showing 1 - 10 of a total of 83 Commentaries
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1-10 | 11-20 | 21-30 | 31-40 | 41-50 | 51-60 | 61-70 | 71-80 | 81-83
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