PittPantherfan
Mouseketeer
- Joined
- Oct 30, 2010
- Messages
- 329
Had seen mentioned the lag on ability to make purchases and $$ limits with Target Red Card Debit. Just to come clean - I rarely shop at Target because my closest is not the best. Never had Target Red card of any kind but thought I'd try to take advantage of the 5% discount for upcoming trip. I experienced what everyone mentioned and not sure it was worth the hassle. I think most of the challenge is building up the purchase history which is hard to do in a few months time.
Took several weeks from when I applied until I got the card, so that sent me back on time. The first use went fine - at the store, was able to get 10 $100 cards. That night, I also bought 1 $50 card online. I knew I had a lag until I could purchase more, so I waited. Purchased Friday- Monday, $$ left bank account - again thought I was on a good track. Tried to purchase more Wed - denied, Thursday denied. I called on Thursday to see when I could use and they told me probably Friday, and that they were waiting confirmation back from my bank that the funds were indeed available and noted in the Target system . So I tried today (Friday) - again denied. Made another call, got transferred to a supervisor and this is when they went into great detail about "building experience" and I would need to make numerous purchases under $100 over a period of time (which they couldn't define) and they doubted that I would be able to get enough "experience" over the next several weeks to be able to make the 2 $500 gift card purchases I had been trying to make. So the resolution was that in this one instance they would allow me to use another method of payment and give me 5% discount - so I took it.
I still would have liked to purchase more for my upcoming trip but decided it is not worth the hassle. It would be good if you have already built up your "experience". I had no idea it would be this involved in my particular situation - I should have started many months ago to be able to take advantage of the 5% for all that I planned to use it for. Or, I guess I should have gotten the actual credit card, but we don't like to alot of misc credit cards.
Took several weeks from when I applied until I got the card, so that sent me back on time. The first use went fine - at the store, was able to get 10 $100 cards. That night, I also bought 1 $50 card online. I knew I had a lag until I could purchase more, so I waited. Purchased Friday- Monday, $$ left bank account - again thought I was on a good track. Tried to purchase more Wed - denied, Thursday denied. I called on Thursday to see when I could use and they told me probably Friday, and that they were waiting confirmation back from my bank that the funds were indeed available and noted in the Target system . So I tried today (Friday) - again denied. Made another call, got transferred to a supervisor and this is when they went into great detail about "building experience" and I would need to make numerous purchases under $100 over a period of time (which they couldn't define) and they doubted that I would be able to get enough "experience" over the next several weeks to be able to make the 2 $500 gift card purchases I had been trying to make. So the resolution was that in this one instance they would allow me to use another method of payment and give me 5% discount - so I took it.
I still would have liked to purchase more for my upcoming trip but decided it is not worth the hassle. It would be good if you have already built up your "experience". I had no idea it would be this involved in my particular situation - I should have started many months ago to be able to take advantage of the 5% for all that I planned to use it for. Or, I guess I should have gotten the actual credit card, but we don't like to alot of misc credit cards.
