Target Card - Interesting

[TiggerDat]

Did you know that if you have a Target card, but not a big enough limit to buy something, that as long as you used the card for a portion of the limit, you still get the 5% discount?

I called them to ask about my limit, since I got their weekly email about what is on sale, and I noticed some good deals on TVs.  They told me that if my limit was big enough, and it isn't (no surprise there right?), that I could split tender it and still get the 5% discount on the full purchase price.  I did ask how much I had to put on the card.  The reply was that they would like you to put as much as you could on the card.  I asked if I could only put $5 on the card and still get the full amount of the discount.  I was told yeah that as long as some part of it was put on the card, you got the full 5% discount.

So don't fret about your Target limit being small, you can always get the full 5% as long as some part of the payment is done with the Target card.  So just another reason to use the Target card and get the full benefits of the discount. 

[ddemari]

Yup, onetime I called Target a whiles back in hopes I could get somewhere on a CLI. I told the lady I wanted to buy a tv for 600 dollars and my limit is 300.

She informed me I could use the card for say 250, get my 5% off the entire purchase and use a different form of payment for the rest. 

[Anonymous]

That is extremely interesting. So one could "double dip" and get the full 5% back on a $500 item by paying, say, $250 of it with the Red card and then getting an additional 5% on the $250 that's left over by using, say, a Sallie Mae, for example. That's a 7.5% return. Not bad at all!

[Anonymous]

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@Anonymous wrote:

That is extremely interesting. So one could "double dip" and get the full 5% back on a $500 item by paying, say, $250 of it with the Red card and then getting an additional 5% on the $250 that's left over by using, say, a Sallie Mae, for example. That's a 7.5% return. Not bad at all!

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Someone posted last week (on the prepaid card) that the loophole was closed.  But interesting.  Now does it stack on Target cards.   I have three Redbirds, pay a third with each, 15% off?   Doubt it but would be interesting

[Anonymous]

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@Anonymous wrote:

That is extremely interesting. So one could "double dip" and get the full 5% back on a $500 item by paying, say, $250 of it with the Red card and then getting an additional 5% on the $250 that's left over by using, say, a Sallie Mae, for example. That's a 7.5% return. Not bad at all!

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Absolutely. Tricks of the trade.

[BtheDiva]

Yep. It works online too. I did it just the other day. Had 3 gift cards and my Targetcard. It recognized my RedCard, but also charged against my gift card balance. I was worried about how it would calculate the 5% and free shipping. It took the 5% off my total purchase and of course my shipping was totally free!

[MASTERNC]

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@TiggerDat wrote:

Did you know that if you have a Target card, but not a big enough limit to buy something, that as long as you used the card for a portion of the limit, you still get the 5% discount?

I called them to ask about my limit, since I got their weekly email about what is on sale, and I noticed some good deals on TVs.  They told me that if my limit was big enough, and it isn't (no surprise there right?), that I could split tender it and still get the 5% discount on the full purchase price.  I did ask how much I had to put on the card.  The reply was that they would like you to put as much as you could on the card.  I asked if I could only put $5 on the card and still get the full amount of the discount.  I was told yeah that as long as some part of it was put on the card, you got the full 5% discount.

So don't fret about your Target limit being small, you can always get the full 5% as long as some part of the payment is done with the Target card.  So just another reason to use the Target card and get the full benefits of the discount. 

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Lowe's is the same way.  I've used gift cards and paid the difference with the Lowe's credit card, and received 5% off the total purchase (not just what I charged).

[ryox03]

I would have never thought of that. Thanks for the tip!

[kdm31091]

It's nice of them to do this because nearly no one with a credit redcard has a limit high enough to buy a high end TV. Most limits are $300-$800 or so. That's why I just use the debit version, as there is no real advantage to the credit unless you just want the tradeline.

[Anonymous]

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@kdm31091 wrote:

It's nice of them to do this because nearly no one with a credit redcard has a limit high enough to buy a high end TV. Most limits are $300-$800 or so. That's why I just use the debit version, as there is no real advantage to the credit unless you just want the tradeline.

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Are most REDcard limts really that low?