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.
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.