A bit of Target info...

Discussion in 'Credit Talk' started by Om, Aug 22, 2002.

  1. Eric2OO2

    Eric2OO2 Well-Known Member

    Well I called the # on the back of my guest card and they wouldn't help me at all. They told me that the intrest rate is fixed and cannot be changed , and that the account has to be open at least 6 months with payment history before they can consider an increase in limit. Obviously it just depends on who picks up the phone at credit services.
     
  2. anna

    anna Well-Known Member

    Call 'em again!
     
  3. annie

    annie Well-Known Member

    Give them the old, "Baby needs school clothes, a Palm Pilot, ect." I just told them it was not enough credit also.
     
  4. Eric2OO2

    Eric2OO2 Well-Known Member

    Do you HAVE to ask to be transferred to credit services ? It gave me the option to hit #2 for credit services. (cant remember if it was actually #2 that got me there) I knew I coulnd't get a increase in LOC right now, but figured they'd decrease the APR at least. Mine is a guest card, you hold the guest card as well anna, right ?
     
  5. Reshod

    Reshod Well-Known Member


    Credit Services answered my call.

    Denied.
     
  6. Eric2OO2

    Eric2OO2 Well-Known Member

    I told them that my credit limits on my other cards were much higher and thats the main reason I was asking. She said "Oh, im sorry I can't help."
     
  7. anna

    anna Well-Known Member

    Yea, but that's a horse of a different color. I've never gotten an apr drop on the guest card. However, after having the card three months, I got a $300 increase via planetfeedback, then another $100 through the automated telephone system three months later.
    Anna
     
  8. Eric2OO2

    Eric2OO2 Well-Known Member

    Ah so they dont drop it on the guest card ? Alright, I guess I mis read something somewhere. After I have the card for a few months I'll ask for a increase by calling them or PFB. Funny thing is the automated card info (such as balance,payment etc) said that I have a $0.00 balance, when its $48. I guess their automated phone system is slower than their online estatement info.
     
  9. Harpsong

    Harpsong Well-Known Member

    Do you know if they are pulling an inquiry before they give an answer?
     
  10. Eric2OO2

    Eric2OO2 Well-Known Member

    They didn't for me, well they didnt have enough time. It wasn't even a 2 second lapse after I asked before she said no. LOL
     
  11. anna

    anna Well-Known Member

    I don't know. The rep said she would"review my account" Took about a minute. I'm hoping that that's all she did.
    Anna
     
  12. Harpsong

    Harpsong Well-Known Member

    Dang, took all of three seconds for him to tell me that I already had the apr reduced and it can never be reduced again! And that COL happen automatically :(
    I did notice though that the number you listed above is different then the number on the back of my card. I am in the Southeast, I wonder if it makes a difference that maybe we are calling different regional offices or something.
     
  13. Harpsong

    Harpsong Well-Known Member

    COL = LOC increase in case you can't read my mind.
     
  14. christi523

    christi523 Well-Known Member


    Ok, i tried to call earlier and they so they don't do manual increases. So again after reading about being transferred to "credit services" I called again. Well their customer service is "credit services". The rep answered "this is Dan in credit services". So I am a little confused here.
     
  15. sal826

    sal826 Well-Known Member

    Turned me down FLAT!!!!!


    -Sal
     
  16. erik776

    erik776 Well-Known Member

    Inquiries on existing accounts are soft inquires. They don't reduce your credit score.
     
  17. LKH

    LKH Well-Known Member

    You guys with the visa card, when the regular cust service rep says they can't do anything, ask to be transferred to someone who has the authority to override and make a decision. You aren't speaking with the correct people.
     
  18. Bunter

    Bunter Well-Known Member

    I was turned down flat for a limit increase a couple of days ago, and when I asked tp speak with someone else, was told there is no one else. Shrug. I'll try again tomorrow.
     
  19. mj

    mj Well-Known Member

    'Yall Are Calling the WRONG Number!

    As we can see here - there are lots of mixed responses.

    PLEASE do a search, here, to find the number for TARGET AUTHORIZATION. The people there can do a limit increase instantly -- ONCE EVERY 90 DAYS.

    APR reductions are a function of retention - "SPECIAL SERVICES" .. don't give up on 1 call - keep calling until you get what you believe you deserve.

    -mj
     
  20. christi523

    christi523 Well-Known Member

    Re: 'Yall Are Calling the WRONG Number!

    Ok, I called Target Visa today and asked to be transferred to "Target Authorization" I was transferred to someone who told me that it was too soon for an increase since I only had the card a month. So basically I am giving up with the Visa increase for now. Also, I called Target Guest Services for my retail card. I talked to a rep who transferred me to a manager. They wanted to run a "hard" inquiry. I told them that they do an AR on my credit every month and that I have had that card for 5 years with no lates or over the limit. Well the manager gives me a 200.00 increase without an inquiry. Better than nothing I guess.
     

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