I had the Target "Store" card for a little over a year. It came with a $200 limit. I charged, paid, charged, carried a balance, paid, etc., for a while. Then a few months back they upped my limt to $400.00. Did the same type of charging with the 21.9% interest. Out of the blue they upgraded me to the Target Visa with a $3,500 limit. Sounds nice. The bad news: it still has the 21.9% interest. Ugh. Any way to get this lowered?
I called and the lady said that I should call back in 6 months and they will review my account to see if I have been paying on time and at that time they will/should review my account for a lower interest rate. I asked if Target will do that automatically or do I need to call them and she said I need to call them. See you in six months.
