Use Your Target Card or Lose It

[Scuba]

I pull my reports almost daily and I saw about a week ago Target CLD me from $1K to  $200 and  I received the letter today to say I haven't used the card in 12 months and to use it in the next 30 days or they will close the account.

I like the way they start  the letter about closing the card then point out "remember your CL is $200".  Very sutle way of saying they CLD the account and they threw me away as a customer.

Funny thing is it is not 12 months since I used the card, but I do use it infrequently.  I pay at the cash register and then stand in line at the service desk and pay the amount I just bought.  I do that because I use the card so infrequently I don't want to forget to pay the bill and have a $30.00 charge cost me a 30 day delinquency.

Good by Target..  Evey card has a purpose and you helped me get a Palladium .

[Anonymous]

A few years back i had an hsbc that i had been running a balance on. I think the cl was about 5000 and the balance was about 3k. They did a cld on me to about 3200 but then didnt keep moving it down as i paid it off, so i figure things are stable anyway, no worries. When i finally did pay it off in full, the cl was still at 3200. I went to log into my account about two months later and i could not log in. I called them and they told me they canceled the card for non use, inactivity. When i told them that i had been running and paying off a balance they said that didnt count. I had not charged anything on the card in about a year and therefore it was closed. They never did email me, call me, send me a letter or anything else. On the other hand, i had a chevron card that i had actually forgotten about and hadnt used for at least two years. I got aletter from them in the mail telling me that if i could like to keep the account open, please use it at least once in the next 30 days. I bought a tank of gas and they left it open just like it had never been inactive. Two ends of the spectrum.

[Anonymous]

Obviously there is no drug testing policy in the CC industry!

[rootpooty]

geez what a joke. lol i would just shred the card and mail them the shreds lol no really dont do that. you did good by posting here and letting future target holders know whats up

[Mike360]

well the target card is just horrible to begin with. good for rebuilding since they will give almost anyone a $200 limit card. i use some of my cards rarely also but credit cards are so easy to manage with pageonce or mint even if you don't use them often.

[marty56]

I normaly like store cards but I make an exception with Target.  DW got a Target card 2 years ago to get a discount for a store purchase.

Didn't use it for about a year and she want to use it one day and they said it was closed and before I could stop her she opened one again at the service desk.

In that they never notified her that the card was closed or even sent her a statement or anything else is my reason for not dealing with them on any level.

[LS2982]

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@rootpooty wrote:

geez what a joke. lol i would just shred the card and mail them the shreds lol no really dont do that. you did good by posting here and letting future target holders know whats up

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That is too awesome!!!

[marty56]

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@LS2982 wrote:

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@rootpooty wrote:

geez what a joke. lol i would just shred the card and mail them the shreds lol no really dont do that. you did good by posting here and letting future target holders know whats up

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That is too awesome!!!

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They only thing I would add is to send the video of the card being shredded with a good sound effect background.

[lithium78]

I use mine about once a month for some minor purchase just to show use.  I did use it back on Black Friday to buy a TV, but I don't make many major purchases on it.  I like the 5% off for using it.  When it comes time to get some new clothes, I might use it then and keep it active.

[Anonymous]

I just noticed that Target has the best prices where I live on protein bars, even before my 5% discount.  So I will be putting $20 a month on this card, before any other little things I might need from Target. 

Anyone that lives near a Super Target, does the 5% translate into all grocery purchases as well?