@tech-d wrote:Update. You are correct!
"Thanks for asking about the annual percentage rate (APR) on your account. We're sorry, but we aren't accepting requests for APR decreases right now.
Thanks for contacting us through Manage my RedCard!
Sincerely,
Target Card Services, servicer to TD Bank USA, N.A."
Yes, Target like many other store cards has one fixed APR for all customers. To address your earlier comment about store cards being bad, as long as you are not carrying a non-promotional balance on them, they can be quite good. Between 5% back, 5-30% off for just paying with the card, and/or 6-to-24 month 0% APR offers, there is a good reason I have all of mine. But even a 1.5% cash back bank card with a perfectly reasonable 15.99% APR will have all of its rewards negated if you carry the balance for even a single month.
