anyone have any experience with the target red debit card

[Crystal824]

Love mine. We live only a few miles from Target and shop there alot. It has saved us quite a bit of money. I like the fact that it is the same as using my debit card rather than another monthly bill.

 

[mickeymaker2003]

I have a Target debit card and use it for all of my Target purchases. However, before choosing credit vs. debit, you should know that the debit card has a max amount you can spend on any given day that is set by your bank. If you are planning to spend over $200 in any given trip (buying lots of stuff or expensive items) you will have a problem. You can do partial payments and use another payment form for the rest, but you only get the 5% discount on the amount that is actually put on your debit card.

It may not be a big deal for you, but it was an issue for us on Black Friday.

 

[seashoreCM]

I got the credit card style of the Target red card.

I will put up with the hassle of sending out another payment each month, instead of having direct withdrawal from my checking account as debit cards do.

 

[talulabelle]

I love the Target Store credit card! Not only does the 5% off make me happy everytime the new total posts....but since I only pay at Target with it, it has made my returns so much easier. It doesn't matter if I don't have the receipt, because they pull it up on my card..I used to have to hand them 3 different cards, not knowing which one I charged it on, or if I paid cash...and now I know all my purchases are on the red card , so it's a snap. Also, when I buy my prescriptions, I get 5% off, and after I buy so many on the card, they send me a coupon for 5%off an entire days shopping, so whatever I buy that day is 10% off total. On those days, I try to stock up on groceries. What grocery store has ever given 10% off a whole order?

 

[codimouse]

love mine! i really like it as i can save 5% on my prescriptions and the in store starbucks too!
i have woodforest bank and it takes 3-4 days for my debit purchase to go through.

 

[KathleensKid]

I have a Target debit card and use it for all of my Target purchases. However, before choosing credit vs. debit, you should know that the debit card has a max amount you can spend on any given day that is set by your bank. If you are planning to spend over $200 in any given trip (buying lots of stuff or expensive items) you will have a problem. You can do partial payments and use another payment form for the rest, but you only get the 5% discount on the amount that is actually put on your debit card.

It may not be a big deal for you, but it was an issue for us on Black Friday.

That must vary greatly by bank, because I've never had a limit put on my debit Red card. Even when we bought all new outdoor furniture in the summer (which was almost a thousand dollars), there was no problem.

**BTW, for anyone considering one - another bonus with a Red card is free shipping from Target.com.

 

[Disney-Kim]

I got the Debit card...love it. why not save 5% on every purchase...and it comes out of your checking...so whats to not like.

 

[talulabelle]

That must vary greatly by bank, because I've never had a limit put on my debit Red card. Even when we bought all new outdoor furniture in the summer (which was almost a thousand dollars), there was no problem.

**BTW, for anyone considering one - another bonus with a Red card is free shipping from Target.com.

Really? Free shipping? is that the case with the credit card as well? I haven't purchesed from the online site recently, but I didn't know about free shipping.

 

[2Pirates2Princesses]

I wasn't too sure about doing the Target debit card, but this thread has inspired me to get rid of my Target charge/credit card and just get the debit card instead. I love Target, and keeping my 5% off purchases by getting the debit card but getting rid of a monthly bill is a plus in my book

 

[antmaril]

I applied for a Target debit card today. I should have done this months ago. I practically live at Target - 5% will add up fast.

 

[family3indisney]

I love my target debit card, I put off for so long applying for it, I think now what I would have saved had I got it earlier...

 

[Diabolicdesire]

I have a Target debit card and use it for all of my Target purchases. However, before choosing credit vs. debit, you should know that the debit card has a max amount you can spend on any given day that is set by your bank. If you are planning to spend over $200 in any given trip (buying lots of stuff or expensive items) you will have a problem. You can do partial payments and use another payment form for the rest, but you only get the 5% discount on the amount that is actually put on your debit card.

It may not be a big deal for you, but it was an issue for us on Black Friday.

That must vary greatly by bank, because I've never had a limit put on my debit Red card. Even when we bought all new outdoor furniture in the summer (which was almost a thousand dollars), there was no problem.

**BTW, for anyone considering one - another bonus with a Red card is free shipping from Target.com.

I have the Target Debit card and used it to buy a 32g Ipod touch right before Black Friday, it was well over 200.00 and had no problem using it. Mine is linked through my Wells Fargo account (previously Wachovia)

 

[disneymagicgirl]

I went to Target yesterday and used my Red Card debit card to buy Disney gift cards at 5% off

You just made my day! 5% off a $5K vacation = substantial!

 

[kkwis2]

I've continued to put off getting the debit card too but, as others have said, you all might have talked me into it. I think the 3-4 day delay for things to post to my account has made me hold out. But I, like so many of you, am a Target-aholic and 5% will certainly add up!

 

[jjb52]

I have a Target debit card and use it for all of my Target purchases. However, before choosing credit vs. debit, you should know that the debit card has a max amount you can spend on any given day that is set by your bank. If you are planning to spend over $200 in any given trip (buying lots of stuff or expensive items) you will have a problem. You can do partial payments and use another payment form for the rest, but you only get the 5% discount on the amount that is actually put on your debit card.

It may not be a big deal for you, but it was an issue for us on Black Friday.

When my debit card was brand new I was limited to how much I could charge in a given day on it. This last a couple weeks as I developed a "history" with my card. I called them and they said since it was a new card I did not have a history yet with them so I was limited. I also talked to my bank and raised my daily limit on my debit card. I think it was auto set at $200 so I had them set it higher-you can adjust it with your bank. I have no problems now. Just used my first extra 5% one day coupon and bought new prescription glasses at $400, then bought a Keurig coffee maker which was around $140 (got a free $15 gift card with it) and then over $100 in groceries-used the $15 gift card as I did seperate transactions. No problems with any limits. I will get another extra 5% 1 day card soon as I just reorder my prescriptions (you get this extra 5% after you fill 5 prescriptions-register in pharmacy) and we will purchase a new flat screen TV when it comes. I am hoping Target has a pre Super Bowl sale on TV's in the next couple weeks.

I also bought over $1000 in Disney gift cards for our upcoming cruise and saved 5% plus got a free $10 Target card for every $50 Disney card I bought-loved that promo before Christmas. So I have $200 in Target gift cards to put towards the TV.

The whole thing works for me and for Target since I do almost all my shopping there with this debit card.

 

[mommy2twingles]

Love my debit card. Like everyone else the 5% is nice and earning money for my kids school is great. We purchase all of our prescriptions their and that extra 5% is nice every other month. I just used one on Christmas clearance that I had been holding onto.

 

[jmac323]

love love love the Target debit card. If you are a Target junkie as you say (I am too it would do nothing but benefit you. 5% off and a percentage goes to a school of your choice. Super cool!

 

[disney1990]

I have nothing but good things to say about my Target RED card. I love swiping it and watching the price go down.

 

[aclov]

I use mine all the time! At first I wasn't comfortable with the personal information requested, ie. SS#, voided check, but it's fine. Love it!

 

[chimilady]

Between this thread and this post:

Target offers 5% off when you use their debit or credit card. It works on the Disney gift cards. Just before Christmas they were offering $10 off of $50, and $10 off $75. Between the $ off specials and the 5% off I ended up saving 18% off of $1800 worth of gift cards, so I only spent $1476 (saving $324)!

I think I need to do this. I can't get a credit card due to identity theft and my freeze, so this may work.