03-13-2009 06:05 PM
03-13-2009 06:26 PM
I'm new here and I was wondering if anyone out there with a target card was able to have them lower their apr. That's our highest, around 22%. We're almost at the credit limit but always paying more than the monthly amount.
03-15-2009 11:24 PM
03-16-2009 08:42 AM
03-16-2009 09:33 AM
03-16-2009 11:31 AM
My Target Visa is just a year and a couple of months old. I have a $5000 limit and the highest balance was $132, always PIF. Until last month my APR had gone from 22% on opening down to 17%. Last month I received the same letter as many other users here that the rate was being raised to 22%. I haven't tried asking that it be decreased, I just wouldn't even consider ever carrying a balance on it.
Actually the more I think about it the more I think it might not be a bad idea to cancel the card.
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