Target - Visa Credit Card Reviews

You do get 10% off when you collect a certain amount of points, but it is too easy to fall into the trap if you are a Target shopper, and get in debt.

I have been a target card holder since 2004, my credit limit is $7000 , never a late payment, never gone over the limit, and I have amazing credit score and a spotless credit history. Well my husband made a payment to our card  (btw, our payment wasn't even due) and he input the wrong back information and the payment was returned, Well I called and I apologized, said I was very sorry but my husband made a mistake and I had already issued another payment and they can see that we are not the type of people who do that and wondered if there was any way they could wave the $39 return payment fee....

I was a Target Visa holder for about 5 years.  I had one late payment about 3 years ago.  Just recently, I was contacted by a Target Visa representative at my work number (which I've never been contacted at by a creditor at) that I was a day late on my payment and they wanted to make sure that I was going to be making my payment by the next day so that they wouldn't have to raise my interest rate and turn it in on my credit report.  Needless to say, I was shocked.  My credit is and always has been in very good standing.  As I said, I was late on one of my payments in the past, but had never...

Target has recently begun doing something that I have never seen before and I have worked in the credit industry for 25 years. Here is how it works: Normally after you make a payment and your account is current, the payment was not late and you are not over your credit line, your "credit available" is restored the same day (or next day) after you have paid. Not so with Target, they are now taking up to two weeks to update your credit available. This is not an issue for most people but lets look at an example.

Let's say you owe $1000 and your credit line is $1500. You pay your balance in full and...