topic Re: Target REDcard question in Credit Cards

Target REDcard question

junojunowhat — Thu, 17 Apr 2014 00:59:58 GMT

Does anyone know if Target does a HP for the Debit REDcard?

Re: Target REDcard question

BluePoodle — Thu, 17 Apr 2014 01:04:13 GMT

@junojunowhat wrote:
Does anyone know if Target does a HP for the Debit REDcard?

The cashier told me no...but I am still not sure that's correct.

Re: Target REDcard question

NoAnchoviesPlease — Thu, 17 Apr 2014 01:11:55 GMT

I did not see an inquiry of any sort from Target for the debit card.

I also don't remember seeing an inquiry for the Paypal debit cards (which act about the same).

I would guess they verify address info and valid bank info or something along those lines, and then if your charges don't get through you get cancelled.

Re: Target REDcard question

junojunowhat — Thu, 17 Apr 2014 01:21:24 GMT

@NoAnchoviesPlease wrote:
I did not see an inquiry of any sort from Target for the debit card.

I also don't remember seeing an inquiry for the Paypal debit cards (which act about the same).

I would guess they verify address info and valid bank info or something along those lines, and then if your charges don't get through you get cancelled.

Thanks

Re: Target REDcard question

asulaw — Thu, 17 Apr 2014 01:40:32 GMT

The Debit REDcard does NOT do a HP. Though, it needs a SSN to verify your identity, and if for some reason something happens and they ned verification. But make sure the cashier is doing the DEBIT CARD. I have seen people accidently sign people up for the credit card instead of the debit card and force a HP and give them a new line of credit without realizing.

Re: Target REDcard question

maiden_girl — Thu, 17 Apr 2014 02:03:38 GMT

Does Target still offer the Red card VISA?

Anyway to save yourself the trouble of getting the incorrect card, I'd apply online. Target has separate applications up on their site for the cards.

Re: Target REDcard question

TrulyyBlessed — Thu, 17 Apr 2014 02:31:21 GMT

@junojunowhat wrote:
Does anyone know if Target does a HP for the Debit REDcard?

Hey,

No HP's for the debit version and you still get the 5% off. Go for it!

Re: Target REDcard question

Jess21 — Thu, 17 Apr 2014 02:34:40 GMT

it is not a hard pull. I was wondering why they needed my ss too but it is just for ID purposes. I applied online. i love target and I probably shouldnt have applied for nothing that comes from them lol but it gives me free shipping on online purchases and 5% off all purchases lol

Re: Target REDcard question

NoAnchoviesPlease — Thu, 17 Apr 2014 04:58:18 GMT

Yes, make sure you're applying for the right card. The debit card asks for a voided check, credit card should not.

As an aside, the debit card app does say that you allow them to obtain "consumer reports" from "consumer reporting agencies" and they may report your Debit Card performance to "consumer reporting agencies." Doesn't mean they absolutely will, but you can't complain (much) if they do.

Re: Target REDcard question

CreditUnionFan — Thu, 17 Apr 2014 06:53:51 GMT

@maiden_girl wrote:
Does Target still offer the Red card VISA?

Anyway to save yourself the trouble of getting the incorrect card, I'd apply online. Target has separate applications up on their site for the cards.

The Target Visa was issued when the accounts were with 'Target National Bank". AS TD took over the accounts, they stopped issuing new Visas with the Target program, but current cardholders can retain their accounts.

Re: Target REDcard question

maiden_girl — Fri, 18 Apr 2014 00:58:11 GMT

@CreditUnionFan wrote:
@maiden_girl wrote:
Does Target still offer the Red card VISA?

Anyway to save yourself the trouble of getting the incorrect card, I'd apply online. Target has separate applications up on their site for the cards.
The Target Visa was issued when the accounts were with 'Target National Bank". AS TD took over the accounts, they stopped issuing new Visas with the Target program, but current cardholders can retain their accounts.

Thank you. I was considering applying for one but if it isn't a VISA...meh. Me thinks not! Lol.

Re: Target REDcard question

grinlikechelsea — Fri, 18 Apr 2014 01:04:11 GMT

I never got a HP for my debit Redcard. It's pretty nice if you shop at Target a lot.

Re: Target REDcard question

NoAnchoviesPlease — Fri, 18 Apr 2014 01:19:27 GMT

@CreditUnionFan wrote:
@maiden_girl wrote:
Does Target still offer the Red card VISA?

Anyway to save yourself the trouble of getting the incorrect card, I'd apply online. Target has separate applications up on their site for the cards.
The Target Visa was issued when the accounts were with 'Target National Bank". AS TD took over the accounts, they stopped issuing new Visas with the Target program, but current cardholders can retain their accounts.

Ah, the Target Credit Card is a store card. I was baffled by the credit and debit apps, but now it makes a bit more sense. And it's one less card to be tempted by.

Re: Target REDcard question

maiden_girl — Fri, 18 Apr 2014 02:58:34 GMT

@NoAnchoviesPlease wrote:
@CreditUnionFan wrote:
@maiden_girl wrote:
Does Target still offer the Red card VISA?

Anyway to save yourself the trouble of getting the incorrect card, I'd apply online. Target has separate applications up on their site for the cards.
The Target Visa was issued when the accounts were with 'Target National Bank". AS TD took over the accounts, they stopped issuing new Visas with the Target program, but current cardholders can retain their accounts.
Ah, the Target Credit Card is a store card. I was baffled by the credit and debit apps, but now it makes a bit more sense. And it's one less card to be tempted by.

I wonder if Target wil start reissuing VISAs through TD bank...hmmm. If so...I'd sooo apply.

Re: Target REDcard question

parakleet — Sat, 19 Apr 2014 02:22:43 GMT

I'd still be interested in their store cards but I had heard that the CLs were a joke with the store cards - like $300 toy limits. Not worth a HP for a toy limit. Hopefully they've changed that practice.

Re: Target REDcard question

asulaw — Sat, 19 Apr 2014 05:06:32 GMT

Also, a little extra information apply in store not online. If you apply in store they give you the 5% off that day (it comes out of your account or goes onto credit that day depending on the card you get) and receive a temporary card until the actual one comes in the mail. It's a nice little bonus because you get auto-approved and you always get the temporary card upon approval in store.

Re: Target REDcard question

SunriseEarth — Sat, 19 Apr 2014 06:13:00 GMT

@parakleet wrote:
I'd still be interested in their store cards but I had heard that the CLs were a joke with the store cards - like $300 toy limits. Not worth a HP for a toy limit. Hopefully they've changed that practice.

Not with the new apps under TD Bank. My initial CL was $1000...I was pleased.

Re: Target REDcard question

SunriseEarth — Sat, 19 Apr 2014 06:15:55 GMT

@maiden_girl wrote:
@NoAnchoviesPlease wrote:
@CreditUnionFan wrote:
@maiden_girl wrote:
Does Target still offer the Red card VISA?

Anyway to save yourself the trouble of getting the incorrect card, I'd apply online. Target has separate applications up on their site for the cards.
The Target Visa was issued when the accounts were with 'Target National Bank". AS TD took over the accounts, they stopped issuing new Visas with the Target program, but current cardholders can retain their accounts.
Ah, the Target Credit Card is a store card. I was baffled by the credit and debit apps, but now it makes a bit more sense. And it's one less card to be tempted by.
I wonder if Target wil start reissuing VISAs through TD bank...hmmm. If so...I'd sooo apply.

That'd be nice if they did, or if they struck a deal with another payment network.