topic Re: Target - Anyone had them cut you off? in Credit Cards

Target - Anyone had them cut you off?

Anonymous — Sun, 25 Nov 2007 16:02:46 GMT

Okay I have a Target Visa with a poor limit and even worse APR. I only use this card and PIF monthly. I have other cards that I would rather use and will be putting Target into a drawer of my choosing. Anyne had Target cut you off for inactivity? If so, how long had it been since you used the card?

Re: Target - Anyone had them cut you off?

Anonymous — Sun, 25 Nov 2007 16:17:08 GMT

Wow Brammy. How long as it been since you used it? I think that this is becomming more of a common practice these days. Have you called them? What did they say?

Re: Target - Anyone had them cut you off?

Anonymous — Sun, 25 Nov 2007 16:23:49 GMT

netpanther wrote:

Wow Brammy. How long as it been since you used it? I think that this is becomming more of a common practice these days. Have you called them? What did they say?

Oh they haven't cut me off. I usually use it at least once month on BS but dn't want to have that many cards to track. Just wondering how long they would let i lie dormant before they would close it. I have auto pay that pays the statement balance every month when there is a balance.

BTW hoping Wamu comes through with at least another 1k on my limit for Xmas then I will probably let them do what ever they want or close altogether.

Message Edited by Brammy on 11-25-2007 11:23 AM

Re: Target - Anyone had them cut you off?

Anonymous — Sun, 25 Nov 2007 16:23:27 GMT

Ok cool. I don't have Target, and have yet to read about them closing anyone. I understand about keeping track of cards- I regret getting Macy's and Nieman Marcus- however these stores esp. Macy's have been around forever and will be good to establish history with. However, Macy's if definintly dependent on your spending before you get a CLI so I guess I will be stuck at the 300 limit for years to come.

Re: Target - Anyone had them cut you off?

Anonymous — Sun, 25 Nov 2007 16:25:43 GMT

netpanther wrote:

Ok cool. I don't have Target, and have yet to read about them closing anyone. I understand about keeping track of cards- I regret getting Macy's and Nieman Marcus- however these stores esp. Macy's have been around forever and will be good to establish history with. However, Macy's if definintly dependent on your spending before you get a CLI so I guess I will be stuck at the 300 limit for years to come.

LOL!! I got Macys because my kid is a clothes horse. Spent 500.00 out the gate with them and just sent payment to PIF. How do they go about that? How long before they increase your limit? My limit on that card is only 1k but they charge a min fincance charge regardless of whether or not your carry a balance which is something I don't like.

Re: Target - Anyone had them cut you off?

Anonymous — Sun, 25 Nov 2007 16:28:03 GMT

Brammy wrote:

netpanther wrote:
Ok cool. I don't have Target, and have yet to read about them closing anyone. I understand about keeping track of cards- I regret getting Macy's and Nieman Marcus- however these stores esp. Macy's have been around forever and will be good to establish history with. However, Macy's if definintly dependent on your spending before you get a CLI so I guess I will be stuck at the 300 limit for years to come.

LOL!! I got Macys because my kid is a clothes horse. Spent 500.00 out the gate with them and just sent payment to PIF. How do they go about that? How long before they increase your limit? My limit on that card is only 1k but they charge a min fincance charge regardless of whether or not your carry a balance which is something I don't like.

If you go to the site it shows how each card w/ it according limits is at (I think) three different levels. There's red, then something, then gold I think.

I don't think mine has a min finance charge- they better not- or I am in deep trouble!

Let me go look!

Re: Target - Anyone had them cut you off?

Anonymous — Sun, 25 Nov 2007 16:31:20 GMT

netpanther wrote:

Brammy wrote:

netpanther wrote:

Ok cool. I don't have Target, and have yet to read about them closing anyone. I understand about keeping track of cards- I regret getting Macy's and Nieman Marcus- however these stores esp. Macy's have been around forever and will be good to establish history with. However, Macy's if definintly dependent on your spending before you get a CLI so I guess I will be stuck at the 300 limit for years to come.

LOL!! I got Macys because my kid is a clothes horse. Spent 500.00 out the gate with them and just sent payment to PIF. How do they go about that? How long before they increase your limit? My limit on that card is only 1k but they charge a min fincance charge regardless of whether or not your carry a balance which is something I don't like.

If you go to the site it shows how each card w/ it according limits is at (I think) three different levels. There's red, then something, then gold I think.

I don't think mine has a min finance charge- they better not- or I am in deep trouble!

Let me go look!

Check out your statement, I was shock when I saw the 1.00 finance charge on my first statement. I'm like WTH? You haven't really even financed anything. Mine is a gold by the way....lol!!! They always start at Red but depending on how much you spend a year they upgrade. I got upgraded before I got the Red in the mail...lol!!

Message Edited by Brammy on 11-25-2007 11:31 AM

Re: Target - Anyone had them cut you off?

Anonymous — Sun, 25 Nov 2007 16:31:10 GMT

Ok there is like four different levels plus the Visa version too.

How come yours has a minimum finance charge? It it the Macy's Visa? I don't have a minimum- whew! That scared me!

Re: Target - Anyone had them cut you off?

Anonymous — Sun, 25 Nov 2007 16:32:24 GMT

See, I don't think I will ever get upgraded, I don't spend enough- there is not one even close to me so I don't want to have to pay the apr or the shipping.

I have already used it once this year for the history.

Re: Target - Anyone had them cut you off?

Anonymous — Sun, 25 Nov 2007 16:36:04 GMT

netpanther wrote:

Ok there is like four different levels plus the Visa version too.

How come yours has a minimum finance charge? It it the Macy's Visa? I don't have a minimum- whew! That scared me!

No its only a min fiance charge if you have a statement balance. Mine is actually the store card. They issued you a Visa instead with that limit. Ithink I checked that I didn't want the Visa on my app. Keeps me definitely PIF'ing.

Weird, when I pull up the app for my state online, it only allows you to app for the store card. Mayb they are not liscensed to bank in my state.

Message Edited by Brammy on 11-25-2007 11:36 AM

Re: Target - Anyone had them cut you off?

Anonymous — Sun, 25 Nov 2007 16:39:23 GMT

Mine's not a Visa either. Just a reg. red store card. So there is only a fin. charge if you have a balance right?

Re: Target - Anyone had them cut you off?

Anonymous — Sun, 25 Nov 2007 16:42:23 GMT

netpanther wrote:

Mine's not a Visa either. Just a reg. red store card. So there is only a fin. charge if you have a balance right?

Yes it is only if your statemnet drops with a balance. I used my temp store card for kids clothes and it was about 500.00. First statement dropped with the 1.00 finance charge. Even if you PIF they get something out of you. BUT I saved about 50.00 on those purchases with my 15 percent off and 10 in other categories that day.

Re: Target - Anyone had them cut you off?

Anonymous — Sun, 25 Nov 2007 23:16:26 GMT

There should be a note on the statement saying that the finance charge applies if you don't PIF by the due date. That finance charge is immediately added to your account balance on the website as soon as the charge posts. You can ignore the finance charge.

Re: Target - Anyone had them cut you off?

Red1Blue — Sun, 25 Nov 2007 23:34:29 GMT

Hi Brammy, in some posting I read there is a code the CRA's use to indicate the inactive account. I don't remember exactly where I read. Let me refresh my memory and get back to you. I want to do the same, I want to keep some cards alive just making one or two transcations before they become inactive and store them away rest of the time.