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Valued Contributor
clocktick
Posts: 1,578
Registered: ‎12-07-2008

Re: Target Card!!!!

Interesting.  How does the debit card work?  Do you attach it to your bank account so it comes directly out of there?  Does it report to the all 3 CRs?

11/30/08 TU 648 EX 672 EQ 656 MARCH 2014 TU 763 EX 740 EQ 721
Amex BCP $24.1K/Clear $8.5- Barclays LLBean $15k/Sallie Mae $12.5 -Cap One QS $4 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


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Contributor
New2score
Posts: 129
Registered: ‎03-24-2011

Re: Target Card!!!!

It's attached to your checking account ..when you apply for the debit you have to take a blank check with you (for account and routing number) my guess.... But I don't think they report anything because it's your checking accounts money not theirs. BUT YOU STILL GET THE 5% off you purchase which is great! So far I made 4 purchases and it's nice to see at the bottom of the receipt 8.00 off etc.... Lol thats piggy bank money.
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Discover More - $1000

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Contributor
New2score
Posts: 129
Registered: ‎03-24-2011

Re: Target Card!!!!

Ohh and another thing I forgat to mention it's just like using a check because it will not draft the funds until like 2-4 days later.
My Wallet:

Amex Zync - NPSL
Capital one - Secured $600 (soon to be axed)
Discover More - $1000

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Established Contributor
UFGuy2006
Posts: 706
Registered: ‎08-02-2008

Re: Target Card!!!!


New2score wrote:
It's attached to your checking account ..when you apply for the debit you have to take a blank check with you (for account and routing number) my guess.... But I don't think they report anything because it's your checking accounts money not theirs. BUT YOU STILL GET THE 5% off you purchase which is great! So far I made 4 purchases and it's nice to see at the bottom of the receipt 8.00 off etc.... Lol thats piggy bank money.

Okay... so are you saying you can apply for the Target debit card using your own checking account? So if I had a USAA checking account... I could get a Target debit card that "used" that account? I don't have to open a checking account with Target??

 

 

FICO: EX: 752 (3/14); TU: 768 (3/14); EQ 711 (3/14)

In My Wallet: Amex X 5 | Barclays X 3 | BOA X 1 | CapOne X 3 | Chase X 3 | Citi X 6 | DCU X 1 | Discover X 1| Fidelity X 1 | Fifth Third X 1 | PenFed X 1 | PSECU X 1 | USAA X 2 | US Bank X 1 | Walmart X 1

Holding off apps for the next 6 months! Last inq 4/2/2014.
Regular Contributor
RayRocks
Posts: 158
Registered: ‎03-21-2011

Re: Target Card!!!!

Yes, the Target Debit card will use your USAA checking accountl.

 

I also have a Target Debit card (and Red Charge Card) and when I used the debit card, it took on average 3 days before it was deducted from my USAA checking. It works quite well.

 

No Target accouint required and as far as I know, TNB does not offer checking or savings, only the cards.

 

Hope this helps you out.

 

Ray

Current Goals:

830 FICO / ** GARDEN ** / Pay off one remaing card.

** Every Card Has a Job and Every Card Does Its Job **
Contributor
New2score
Posts: 129
Registered: ‎03-24-2011

Re: Target Card!!!!

Yea any checking account. But remember you gotta take a blank check or else your not gonna be able to get it processed .
My Wallet:

Amex Zync - NPSL
Capital one - Secured $600 (soon to be axed)
Discover More - $1000

Take the FICO Fitness Challenge
Established Contributor
UFGuy2006
Posts: 706
Registered: ‎08-02-2008

Re: Target Card!!!!


New2score wrote:
Yea any checking account. But remember you gotta take a blank check or else your not gonna be able to get it processed .

Interesting! Is there a fee for this debit card??

FICO: EX: 752 (3/14); TU: 768 (3/14); EQ 711 (3/14)

In My Wallet: Amex X 5 | Barclays X 3 | BOA X 1 | CapOne X 3 | Chase X 3 | Citi X 6 | DCU X 1 | Discover X 1| Fidelity X 1 | Fifth Third X 1 | PenFed X 1 | PSECU X 1 | USAA X 2 | US Bank X 1 | Walmart X 1

Holding off apps for the next 6 months! Last inq 4/2/2014.
Member
superfresh08
Posts: 6
Registered: ‎03-31-2011

Re: Target Card!!!!

There is no fee for this card.

Established Contributor
UFGuy2006
Posts: 706
Registered: ‎08-02-2008

Re: Target Card!!!!

One last Q - Do they HP for the target debit card app?

FICO: EX: 752 (3/14); TU: 768 (3/14); EQ 711 (3/14)

In My Wallet: Amex X 5 | Barclays X 3 | BOA X 1 | CapOne X 3 | Chase X 3 | Citi X 6 | DCU X 1 | Discover X 1| Fidelity X 1 | Fifth Third X 1 | PenFed X 1 | PSECU X 1 | USAA X 2 | US Bank X 1 | Walmart X 1

Holding off apps for the next 6 months! Last inq 4/2/2014.
Member
superfresh08
Posts: 6
Registered: ‎03-31-2011

Re: Target Card!!!!

No it's a soft, same with Nordstrom's debit card.


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