Bill, my Target Guest Card reports to all three bureaus. However, it doesn't report the limit (1K) on all of them--the limit is on TU but not Equifax. I guess if you really wanted to use it to improve debt-to-limit ratios you could ask RNB to report the limit to all 3 CRAs. I'm keeping my fingers crossed that I will get the Target VISA!
My Target Guest Card reports to all three bureaus as well. Regarding the Target Visa card: I was told by Customer No-Service that it is being sent at random to existing guest card customers. The representative also told me that for the State of Georgia, the cards are being sent at random to the Atlanta Metro Area ONLY. I guess CardKid will not receive the new Target Smart Visa unless I apply...and I have no plans of doing that since Fleet was kind enough to approve me for their Fusion Smart Card earlier this year. CardKid
CardKid- Customer service was wrong - I'm in MA and was sent the card automatically. The Guest Card folks _can_ see if you're getting an upgrade to the Visa, there's some kind of flag. They will even know (but can't share with you) the account#. The Target Visa folks (a new customer service center in Arizona) also can look you up by Guest Card # or by SSN#. The # for Target Visa customer service is 888-755-5856. I've always had wonderful experiences with their customer service folks. BillB- The perks are: 1) 1% of your purchases donated to the school of your choice (you pick online and can see how much $ they've earned) 2) You earn one point for every $1 spent at Target and one point for every $2 spent everywhere else -- 1,000 points earns you a -10% coupon for an entire purchase (no limit). 3) Lowest APR for a retail card that I know of
21% is the lowest? My sears was 16.99% before i closed it..You just have to trick them and then they lower it but i closed it anyways..I did sign up for my daughters school..I am also from Ma! I have just got this card it is the guest card.I dont think i can spend elsewhere and the limit is $300..I was thinking i would get special deals like sears does and that typ of stuff..I will use the card but pay it in full the following month..How long doea it take to get higher limits and maybe even there visa? I cant wait to go to the store again but Milford is a 45 min drive..
Bill, As I have said before, search for Target and MY name and you will see the possible APR's for the Visa. I assure you that the VISA's APR is well below 21%.
