topic Re: 1996 Target Card Holder in Credit Cards

1996 Target Card Holder

DI — Wed, 15 Jun 2011 00:42:41 GMT

Here's my story. I remember apping and receiving a Target Store card in 1996 around age 17 or 18. I think it was around 2000 when my card automatically converted to a Target Visa. Why I haven't caught this a long time ago who knows? I noticed my Target Visa card says cardmember since 2000. If I opened my Target store card in 1996, should my Target Visa and credit reports say 1996? I did not app for the Target Visa in 2000. I apped for a Target store card in 1996.

I sent Target an email and I'm waiting for a positive reponse. I hope they be like AMEX and change it because I think I am correct. If not, I will have to go the extreme and seek BBB. Your thoughts appreciated.

Re: 1996 Target Card Holder

Anonymous — Wed, 15 Jun 2011 00:42:51 GMT

Sounds like they closed your store card and opened a new card to "upgrade" you to the visa.

Re: 1996 Target Card Holder

addicted_to_credit — Wed, 15 Jun 2011 00:44:33 GMT

i am thinking when your card converted they closed out your "store card" for the visa so it would have been a new account and I will assume the acct #'s are different as well?? I am basing this on various other post I have read through the last couple of years but you never know YMMV

Re: 1996 Target Card Holder

DI — Wed, 15 Jun 2011 00:46:16 GMT

@kilpela wrote:
Sounds like they closed your store card and opened a new card to "upgrade" you to the visa.

If that's what they did, they pulled the same crap US Bank did. I hope they quickly correct it. I would hate to see this escalate.

Re: 1996 Target Card Holder

DI — Wed, 15 Jun 2011 00:49:33 GMT

I just did some research. The Target Store Card was first introduced in 1995. The Target Visa was introduced in 2001. So I guess, I'm off by one year when my card became a Target Visa. Now, I'm really confused why my card is saying member since 2000. There's an error somewhere.

Re: 1996 Target Card Holder

tengtengvn — Wed, 15 Jun 2011 00:57:44 GMT

It sounds the same to me.

Everytime the lenders sell my student loans to another lenders. I got "new" accounts on my credit report and I can't do anything abou that.

Re: 1996 Target Card Holder

DI — Wed, 15 Jun 2011 01:06:20 GMT

If they do not back date me to 1996 automatically, I know how I'm going to approach this. I'll begin with reminding them the history of when the cards were introduced. And since this was 15 years ago, I am going to raise doubts about the accuracy of their records.

Re: 1996 Target Card Holder

DI — Wed, 15 Jun 2011 01:11:22 GMT

One more note. When I received the Targt Store card, they automatically sent me a Marshall Fields card. I need to find out when Target aquired Marshall Fields.

Re: 1996 Target Card Holder

Anonymous — Wed, 15 Jun 2011 01:15:45 GMT

DI,

Do you really have to start **bleep** with every company that issues you a card?

Re: 1996 Target Card Holder

DI — Wed, 15 Jun 2011 01:27:09 GMT

@Anonymous wrote:
DI,

Do you really have to start **bleep** with every company that issues you a card?

Thanks for asking that question. If there's an error then yes. I don't let things get sweeped under the rug. If it affects my credit and cost me money, absolutely I'm going to make an inquiry with the company. I worked too hard to maintain my long credit history. I'm not going to let an error with any of my cards I carry go unnoticed.

Re: 1996 Target Card Holder

Anonymous — Wed, 15 Jun 2011 01:32:17 GMT

Makes me glad I never went with store cards.

Re: 1996 Target Card Holder

DI — Wed, 15 Jun 2011 01:34:31 GMT

@Anonymous wrote:
Makes me glad I never went with store cards.

Store cards were a lot easier to get when my credit history was limited. Target was my first store card.

Re: 1996 Target Card Holder

Anonymous — Wed, 15 Jun 2011 02:20:22 GMT

I too started with a standard target charge card (5/1999) and was later auto-upgraded to a target visa (in 4/2008). My target VISA says Cardholder since 05/99... Here is how both accounts show in my credit report... :

Charge:

Account Name:

TNB - TARGET

Account #:

XXXXX

Payment Status:

Paid satisfactorily

Account Type:

Charge Account

Balance:

Past Due:


Date Open:	5/1/1999
Account Status:	Closed
High Balance:	$366.00

Credit Limit:	$500.00

Terms:	Revolving
Comments:	Credit line closed-grantor request-reported by subscriber

VISA:

Account Name:

TARGET NB

Account #:

XXXXXXXXXX

Payment Status:

Current

Account Type:

Credit Card

Balance:

$0.00

Past Due:


Date Open:	5/1/1999
Account Status:	Open
High Balance:	$X,XXX.00

Credit Limit:	$8,000.00
Monthly Payment:	$0.00
Terms:	Revolving

Re: 1996 Target Card Holder

Anonymous — Wed, 15 Jun 2011 02:56:50 GMT

@tengtengvn wrote:
It sounds the same to me.
Everytime the lenders sell my student loans to another lenders. I got "new" accounts on my credit report and I can't do anything abou that.

Same thing hapened to me, except they backdated the new loans, so it worked out better since they are actually my oldest lines ^_^.

Re: 1996 Target Card Holder

DI — Wed, 15 Jun 2011 13:49:52 GMT

@Anonymous wrote:
I too started with a standard target charge card (5/1999) and was later auto-upgraded to a target visa (in 4/2008). My target VISA says Cardholder since 05/99... Here is how both accounts show in my credit report... :

Charge:

Account Name: TNB - TARGET
Account #: XXXXX
Payment Status: Paid satisfactorily
Account Type: Charge Account
Balance:
Past Due:

Date Open: 5/1/1999
Account Status: Closed
High Balance: $366.00

Credit Limit: $500.00

Terms: Revolving
Comments: Credit line closed-grantor request-reported by subscriber

VISA:
Account Name: TARGET NB
Account #: XXXXXXXXXX
Payment Status: Current
Account Type: Credit Card
Balance: $0.00
Past Due:

Date Open: 5/1/1999
Account Status: Open
High Balance: $X,XXX.00

Credit Limit: $8,000.00
Monthly Payment: $0.00
Terms: Revolving

Thanks for posting that. I figured my account should still say 1996 even with the upgrade. My Target Store card tradeline isn't reporting anymore. Only the TArget Visa is reporting. But for some reason, the Marshall Fields is still reporting to EX. It has an open year 2000. I'm still waiting to hear from Target.

Re: 1996 Target Card Holder

DI — Wed, 15 Jun 2011 18:36:35 GMT

I spoke with Rep today. I explained to her that I opened my account in 1996, one year after the Target Store Card was introduced. I told her that my Target Visa says 10/00 cardmember since date. She placed me on hold for a few mintues. She came back and repeated the card was upgraded to the Visa card. She told me not to worry about the date on my card. I explained to her since I was a cardholder for 15 years, it should accurately reflect on my card and with the CRAs. She confirmed the 1996 date, so I requested a new card showing the 1996 date. She then said she have to send the inquiry to their credit bureau department. She sounded unsure how to handle my inquiry. It must have been a tough call for her. I hope this get fixed!!

Re: 1996 Target Card Holder

DI — Wed, 15 Jun 2011 18:36:04 GMT

@Anonymous wrote:
DI,

Do you really have to start **bleep** with every company that issues you a card?

Sorry, RBH. But once again, I am having to start **bleep** with another one of the companies who issued me a card. I went ahead and filed a complaint with the BBB so it can get to the right person.

Re: 1996 Target Card Holder

Anonymous — Wed, 15 Jun 2011 22:38:54 GMT

@DI wrote:
Here's my story. I remember apping and receiving a Target Store card in 1996 around age 17 or 18. I think it was around 2000 when my card automatically converted to a Target Visa. Why I haven't caught this a long time ago who knows? I noticed my Target Visa card says cardmember since 2000. If I opened my Target store card in 1996, should my Target Visa and credit reports say 1996? I did not app for the Target Visa in 2000. I apped for a Target store card in 1996.

I sent Target an email and I'm waiting for a positive reponse. I hope they be like AMEX and change it because I think I am correct. If not, I will have to go the extreme and seek BBB. Your thoughts appreciated.

My target line of credit was opened under Marshall Fields. When Marshall Fieds was acquired by Federated, all references on my credit report referred to Federated. I understand wanting your credit report to reflect the "correct" information, but I do have some questions for you:

1. Your initial line of credit was a Target store card issued around 1995-96. You then received an upgrade to Target Visa in 2000. If your Visa states member since 2000, why isnt that correct? You were only a Visa cardholder ("member") since 2000.

2. How much of a "boost" does 4-5 years give you? All things being relative, does it have any impact to your overall credit rating? Does it give you any additional loyalty or financial recognition with whatever bank now manages the Target visa?

I realize this is your concern, and obviously not mine to judge. Just not understanding the value of needing the information to reflect 4 years and/or the need to involve the BBB.

Re: 1996 Target Card Holder

DI — Wed, 15 Jun 2011 23:05:43 GMT

@Anonymous wrote:
@DI wrote:
Here's my story. I remember apping and receiving a Target Store card in 1996 around age 17 or 18. I think it was around 2000 when my card automatically converted to a Target Visa. Why I haven't caught this a long time ago who knows? I noticed my Target Visa card says cardmember since 2000. If I opened my Target store card in 1996, should my Target Visa and credit reports say 1996? I did not app for the Target Visa in 2000. I apped for a Target store card in 1996.

I sent Target an email and I'm waiting for a positive reponse. I hope they be like AMEX and change it because I think I am correct. If not, I will have to go the extreme and seek BBB. Your thoughts appreciated.
My target line of credit was opened under Marshall Fields. When Marshall Fieds was acquired by Federated, all references on my credit report referred to Federated. I understand wanting your credit report to reflect the "correct" information, but I do have some questions for you:

1. Your initial line of credit was a Target store card issued around 1995-96. You then received an upgrade to Target Visa in 2000. If your Visa states member since 2000, why isnt that correct? You were only a Visa cardholder ("member") since 2000. It's incorrect because I didn't apply for the Target Visa. Also, if you look at how the tradelines showing the correct date for a previous poster, mines should have stayed the same too.

2. How much of a "boost" does 4-5 years give you? All things being relative, does it have any impact to your overall credit rating? Does it give you any additional loyalty or financial recognition with whatever bank now manages the Target visa? Reporting 1996 on my credit reports give my AAoAs a boost and it increases my FICO score.
I realize this is your concern, and obviously not mine to judge. Just not understanding the value of needing the information to reflect 4 years and/or the need to involve the BBB.

Why do you think people work hard to get AMEX to backdate their member since dates? It definately has value.

Re: 1996 Target Card Holder

DI — Wed, 15 Jun 2011 23:10:03 GMT

Also, I got BBB involved because apparently, Target do not like answering concerns via email. I had to call. I like to see what's being said by all parties. My using BBB opens up the avenue of my having a paper trail.