Target Debit gets HP?

[Brusilov]

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@Repo-ed wrote:

So the target card, if I were actually a shopper of their store, would give me the ability to only pay 4.25% sales-tax, instead of our usual 9.25% Heck of a deal!

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True but don't most states not charge sales tax on groceries?

[2NE1]

I've never heard of this, but Target doesn't only sell groceries, they sell other household items as well, the way things get charged in VA is 5% tax. For food other places charge 2.5% tax, but everything else is 5%. I believe in NJ, clothing are tax free along with some other items. I can see how you can save a lot at Target in this state.

[UFGuy2006]

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@chaleria wrote:

I have the Target Debit Card and they did not do a pull. 

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Same here. Never received a hard pull.

[Anonymous]

I used to work at target and there should be no hard pull to your credit report. The only time there was a hard pull was when you was applying for the target CREDIT card not the target DEBIT card. You should be A OK. You save 5% when you use your Target DEBIT card too. :-)

Good Luck

[Brusilov]

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@2NE1 wrote:
I've never heard of this, but Target doesn't only sell groceries, they sell other household items as well, the way things get charged in VA is 5% tax. For food other places charge 2.5% tax, but everything else is 5%. I believe in NJ, clothing are tax free along with some other items. I can see how you can save a lot at Target in this state.

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Yeah, here both clothing and grocery (though not some snack/junk food) are tax exempt.  Otherwise 7.775%.

And yeah, no pull here either for the Target card.  I've had it for a couple years.  I just think it's annoying than in this day in age you still have to fill out a paper application for both that and the store card.  Really, Target?

[Anonymous]

I would have to look at the receipt, but I think you get the 5% off of your pretax total, then you are taxed on the remaining balance.

$100- $5 + 9.25% (8.79) =103.79

Target cannot give you a discount on taxes, so the above scenario is better than.

$100 + 9.25 - 5 = 104.25

Hmmmm, I think I want to see a Target liquor store

[Brusilov]

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@Anonymous wrote:

I would have to look at the receipt, but I think you get the 5% off of your pretax total, then you are taxed on the remaining balance.

$100- $5 + 9.25% (8.79) =103.79

Target cannot give you a discount on taxes, so the above scenario is better than.

$100 + 9.25 - 5 = 104.25

Hmmmm, I think I want to see a Target liquor store

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I actually happen to have a Target receipt in front of me and the 5% discount applies to the pre-tax amount.  Also, yes...Target liquor would be fantastic.  

[Anonymous]

Thanks Herr Fieldmarshal, that means my argument is valid, you are actually saving more than 5%.  That is unless you live in Delaware, then it is only 5%.

[Anonymous]

I'm sure they check your ChexSystems report which shows bounced checks or bank account closures that were derogatory. You can get a free copy of that yearly.