Thirteen months fresh out of a BK7 I applied for a REDcard and was approved with an $800 credit line. I payoff my transactions online or in-store as soon as they post.
#Target red card for free
I make purchases in-store, online for store pick-up, and online for home delivery (for moderate purchases that qualify for FREE shipping). I use it every week for simple needed purchases groceries, toiletries, household items, etc., usually $10 - $30. I've been mining my REDcard in hopes of having it converted to a MasterCard. 9 times out of 10 customer service is just rude.Target does NOT issue a MasterCard as an initial credit card. That took 2 months for things to be fixed on their end with no explanation as to why they saved my info to their account.ĥ. Instead they kept my bank account info and continued to charge me for their account as well as linked my phone number to their account. It was a one time payment and we made sure that was stressed. I helped a family member make a payment on their card. Don't ever use any other card information other than your own to make a payment. You might just want to wait for the mail, 5-7 business days, for what you urgently need.Ĥ. They can't email you but can fax and they have issues with faxing their paperwork. If you need any timely documents be prepared to wait.
I always pay my card at least a week before due date.ģ. Instead of nicely informing the card member of missed payment they are rude and treat you like have went months without payment and owe an ungodly amount of money. Accidents happen for everyone even errors from the company happen, but you miss one payment and their "collections" team will call you. In the meantime I had to make another payment.Ģ. Took me a while to get my money back and straightened out. They had payment issues at the beginning my payments went through 1st couple months then all of a sudden I am getting calls because they didn't receive a payment. It's just a bad credit card in regards to security.ġ. All that said, that proves the person lied and stole my card because Target won't cancel/stop a card if you're not the account holder. This is ignoring that I have PoA anyway and can legally manage her monetary accounts anyway. So yeah, my card is stolen and I have to wait for my disabled mom to get up to call Target because you can't secure your account without the account holder.
#Target red card full
So.that's not true? Because if I had full access, I'd be able to cancel and reissue a STOLEN CARD. Meanwhile on the website it repeatedly says that when you add a cardholder they are considered to have full account access and the account holder is responsible for any actions they make with their card because the authorized card holders have full access to the credit lines. An employee listened to my story and then told me that since I was not the account holder that I could not put a hold on the card, cancel the card, or reissue the card.
You have to call to do anything meaningful. It's not secure, it doesn't have accessibility online or proper security controls online. I have a CREDIT CARD, a MASTERCARD, through Target with thousands in credit, and it's not treated like a credit card. I called Target because you CAN NOT cancel a card, put a hold on a card, or reissue a NEW card number online. I immediately called Target when that call ended.
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