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Discussion in 'Credit Talk' started by Zaphod, Sep 8, 2001.
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Not too much info, but it's the first official information in print from Target on their unveiling of the new card.
If Target is your only retail card, then their converting it to an ordinary credit card would hurt your credit mix.
Not too much info?
Well, what I read is that it's going to be for new applicants only. So that means that if you already have a target card you don't get one. If that's true, I imagine that the reason is that they want to phase it in slowly otherwise they would have a log jam trying to get cards out to all the present cardholders.
I'd think they will keep it that way for a while until the bank gets the deal under control and then they will probably start issueing the Visas to present account holders in good standing when their cards expire. That or they will have some other way to go about it until everybody is finally on the Visa system.
Maybe I'm wrong, but that's kinda the way I read it.
Bill, read the other thread about it:
Bill, Saar's right. If you read the other threads on the Target Visa, they all point out that with convo's with Target's CSR's that selected Guest Card holders will be converted. I think the website just states general benefits of the card and no applicable information either directly or indirectly to current cardholders. Time to play the waiting game....
Regarding the retail/major CC mix, here's an idea!
Get another card issued by Retailers National (like Mervyns and theres a few others) I would think that if you got a Target card, then an upgrade, they would give you a decent limit with one of their true retail cards.
As lousy as my EQ score is now (534) I doubt I'll have to worry about this, but I wanted to share my idea in case others can use it
If you click on the adjoining link you'll be able to read that current Target Guest cardholders are indeed being issued the new Target VISA over the next several weeks.
Here's a more comprehensive html. Looks like it's going to be the permanent Target VISA page:
Hope, From what I have learned, only qualifyingexisting cardholders will be upgraded. I may be wrong, but I have the brochure to prove it.
Gosh, I hope I get one of these cards!!! I have had my Target Card since June, and always been timely on payments. I just like the idea of having a smart card. I have done quite a bit with my cards lately. With Capital One, my limit was increased from $500 to $1,000, and the interest lowered from the Libor rate (variable) 14.77% to 12.9% fixed. Is that a good rate? Bank of America is sending me a cashback card where I get 2% cash back for my purchases, so I figured what the hey. Well, hope everyone gets the Target Visa Card.
I KNOW you're correct Erica, and I meant to qualify my statement. In fact, from talking with a CSR last week at Target, they don't seem to know the criteria for being "qualified" and there's not "flag" on my account to receive one...yet.
Then again, there's no flag for my son to receive a Target VISA yet either. And he's joint on my account, but his credit is sterling.
Why would he receive one and you not, when he is joint on the account?
Because the Target VISA is a separate card based onits on merits and "qualifying" from the Target Guest card.
If my son were an AU that might be different as it doesn't require him to qualify on his own. But as he is joint, I think it's quite possible he'd be issued a Target VISA based on his flawless credit, while I'd be left holding the old Guest card (assuming I don't qualify...and I hope I do!)
I understand now. I hope not too! (no pun intended. hehe)
To Saar and all others who were so kind as to point out my incorrect assumption.
Thanks! I do appreciate your efforts as always.
I just typed in my name and email on the Visa
account management screen. It says they will be mailing them out and to activate, you dial in the
when you get the card. They will send you an email when the account is available online.
My Target card is $1000 and I have nearly 70 (YUP)months of perfect reporting. Wonder what limit they'll give?
I have carried balances a few times but the rate was always high with Retailers.
I had a Mervyns which also reported perfect - $500 limit paid as agreed - for several years. I never charged anything one time witht the Mervyns card. But it was also 21%.
Higher limits, lower rates - just what we all want!