I opened a account with Target Visa about 6 weeks ago,got the card 4 weeks ago and activated it promptly. Decided to use it for the first time today at a convenience store that I patronize on almost a daily basis.I tell the clerk that I'm using a Target card for my 30.00 purchase,just to see if I get a reaction? Well I got the reaction in the form of a decline.I have 40,000 worth of available credit in my wallet and Target embarrasses me.Get home and give them a shout on the phone,they tell me they closed the account because they needed more information from me.They did not bother to e-mail,fax or phone me about their questions. They s..k !!!!
WOW I am sorry to hear that Brad...that DOES suck! And AFTER you had "activated" the card by calling them...you would think by the time they mailed you the card they would have answered all their questions. Did they re-activate the card after speaking to you? I would have been pissed too! That's why there is a bar down the street from my apt....everytime I walk home I pass by a bar and I use it as an excuse for a 'calm me down" drink ) "My name is Nave and I am a calm-a holic" -Peace, Dave
Ooh, how awful. You'd think they would wait and mail out cards after they were sure they had the info they wanted!
Dave,did I tell you my father was a magician,he could walk down the street and turn into a bar. Yes I called a rep on the phone and she wanted me to fax them my ss# dr lic.# utility bill,fat chance. She then asked about my other cc accounts. I could tell she was looking at my CR as she asked the questions,LOL. It was straightened out but I don"t know if I want the card anymore?
I wouldn't but if you really do. I would PFB them and let them know about your experience and see what their response is. You may even be able to get higher credit line, lower APR. Who knows?
the same happened to me for this card (Target Visa) a week ago. I have to fax them utility bill, SS card and my Dr License
Darn I can't believe how they handle things My fiance and I both got the cards, I used mine online at target and received first statement, still not reporting yet. He got his card 2 weeks after me and he hasn't used it yet but it is reporting??? Strange maybe I better have him use it at the gas pump to make sure it works. I do have a few questions. This was your first attempt at using the card correct?? Also when you called the automated system did it recognize your account number and give you your available credit???? Thanks
I agree with you. My wife got denied for something that was taken care of and she has a 680 tu 645 eq 617 Ex. We did a PFB and they called and apologized for the hassle and then reinvestigated the report and opened a account. It was only for $200 but we felt that they went out of their way to help. We have since then gotten the judgement vacated and are on to bigger and better things.
you gotta be kidding. that is awful. these credit card companies are terrible. who issues this visa? RNB?
Yeah Roni the bank issuer is Retailers National Bank just like the guest card. I can't believe they send card, let you activate it, then send you NOTHING asking for verification, and then not let you use the card b/c they want verification they never asked for?? I had finance get gas at the pump just to make sure the card worked, it did thank goodness, but makes me leary about the next time he tries to use it, I remember amex did this to someone after they initially used the card.
This is really weird. I just got mine less than two weeks ago. I called the number on the back before I activated to get a lower apr. The rep lowered 3 pts. with no problem and then activated it. I've used exclusively for my xmas purchases, online, in stores probably 20 different times and places for varying amounts. Not a single problem. It also has already showed up on my EQ and TU. Doesn't seem like the results of getting/using the card are very consistent.
Finance LOL, slip of the finger .... or subliminal brain wave...you decide hehehehe LOL just kidding Bailey. I like the way you had your fiance try it at the gas pump so only you guys would see if it didn't make it LOL -Peace, Dave
Just used my Target Visa for a 2k purchase at Best Buy. No problem. I had the card for about 40 days.\ Best regards, Mirage
Brad, They denied two weeks ago when I applied on-line Target Visa even I currently a Target Guest Cardholer. They found I got a charge-off account with Mervyns about 12 yrs ago. I'm sorry to hear that toy had done to you. Last time Providian did that to me seven yrs ago and they denied on my purchase. They forced me to close the account because they found I had many charge-off accounts. I think you should dump Target Visa it is worth it. You don't know what they will do to you next. Ron.
Ron, I am not worried about Target Visa,I have their guest card and Marshall Fields. The interest rates they are charging will keep me from utilizing their cards.
Brad, I had a Target Guest Card and all I charge on the card for allergy spray for $5. There is no rewards or bonus and just George said that another on stuck in the socks drawer. I had many other credit cards that give me rewards and treated me nice. Ron.
