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Discussion in 'Credit Talk' started by fingrrrl, Nov 16, 2001.
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I have the silver one & it is a "choice or color" thing(same benefits for both).I'm also waiting for the online access for my account.
When you apply you are given the choice between the red or silver cards. Most people must be taking the red. The cashiers at the Target near me always comment on my silver card when I shop.
I went with the silver one to. Maybe I thought it looked more like a Platinum card
I'll buy that,Pat(lol).....I could not conceive in my mind that red card.
I also pick the silver one. Just could not imagine having a red VISA card.
I too chose the silver card and was happy with a 9000 CL,but the 18.99 a.p.r is not going to work. I will wait until I receive my card and try to reduce the apr. or it goes in the sock drawer.
THEY OFFER 9.90%~12.90%~15.90%~18.90%
One for 18.90%...any other rates?
I was just curious because of the answer I got from FIRST USA that NOBODY
gets the lowest rate ~~2.90 + PRIME (EVEN THOUGH THEY ADVERTISE IT)!!!
$9,000 is amazing considering they gave almost everybody $200.00 on the "GUEST CARD"
Excuse me George,it's 18.9%,so what is your problem?
I was in TARGET on Saturday buying my beverage of choice...NO NOT BEER...PEPSI!!!
The guy in front of me was given a HARD SELL on the TARGET VISA card...
NOT ME...I WAS PRICE MATCHING ANOTHER STORE...12 PACK $1.99...he looked at the ad for like 2 minutes for some "LOOP HOLE"...
I don't know why I didn't get the "HARD SELL"...COMP'ING??? maybe AMEX BLUE???
He could have not know about AMEX "HIERARCHY"...maybe he thought it was "A STEP ABOVE" BLACK??? Maybe he thought it was a "PROVIDIAN" AMEX card???
I have NO problem!!!
If NOBODY can get 9.90%, I would NOT waste my time, THAT IS ALL!!!
I was just curious!!!
Sorry George,I was just curious too!
A little info... What everyone is saying about the Silver is correct. It's just a color... Looks pretty damn cool though. I went for it over the red when I got my $12.5 @ 15.9 online approval. I have a Target Guest card also, but the "upgrades" are done according to THREE different customer service reps, so I applied online.
If you apply vs being upgraded, CS can NOT override your interest rate, but the computer will likely give you a better option within 90-180 days like the GUEST card. If you get the upgrade, CS has some room to move with better CL and APR.
Hope this helps....
More Free info from.......
BKEV my mom applied for the card and I encouraged her to call about the APR, it was reduced to the 12.9% rate. You can always negotiate, just have to speak with the correct people. This was at the toll-free number on the back of the card.
When I received my Visa replacement for my Target Guest card, here is what I got....
Closed Target Guest Card = $1,200 CL
New Target Visa = $9,000 CL @ 12.9%
After a very short phone call, I had 9.9%. I said I called to "close the card" because all my other credit cards are 9.9% and under (which was the truth). She came back with, "No problem sir, I have reduced your APR to 9.9%".
Also confirmed, color difference only, no current known plans for a premium card from RNB.
Experian/Credit Expert = 784
Equifax/FICO = 763
TU = I forgot
I was approved Target visa with $10,000 and 18.9 %APR.It seems they give applicants high credit line and also high APR .