I recently mailed a payment to Target to pay off my balance, so that we could use the available funds to do our Christmas shopping while taking advantage of their "5% discount when using the card" The payment was electronically debited from my checking account on the 11th, but the funds still are not available on the card. When I first spoke with Target, they stated that it was because my bank did not release the funds to them. I called my bank and they promptly stated that was not the case, since the funds were removed from my account already. I called back Target only to get the run-around and finally I demanded to talk to a supervisor. This was the statement that was given to me "It is Target's policy, that we can, at anytime, take a payment and hold it for an undisclosed amount of time, for no reason or recourse." She also stated, that me submitting proof that the funds have cleared my account would not help, and that there was nothing they could do to expedite the posting of the payment. THAT IS $1000 of MY money that has been UNAVAILABLE TO ME FOR OVER A WEEK, that I can't use for holiday shopping because they won't post it to the account. If I KNEW that was going to happen, I never would have paid off the card, and would have just used the money to buy things directly. THE SAD PART IS, my husband actually works for Target and THEY STILL treated us like crap. WORSE CUSTOMER SERVICE EVER! WORST EXCUSES EVER! AND IF THEY DONT POST IT BY BLACK FRIDAY, IM GUNNA BE EVEN MORE PISSED!!

I always found it easier to save payment information with different creditors so that in just a click or two my payment is made! However, NEVER do this with target. Once my payment information changed I went online to update my account number and make my payment. Not a good decisioin. Even though I filled out the forms that they provided, my new payment was still sent through my old account. As a result I then had $89 worth of fees including a late payment fee and returned check fee, not to mention my monthly payment. Even after calling severl times the representative was unable to both figure out my situation or help me change my payment information. I filled the forms out again and made another payment that also went through my old account. At this point my account was in such bad shape Target agreed to allow me to pay out my balance through a draft in which THEY selected the date. The date was the 21st of each month. I think GREAT.. they got me straight and my payments are being made! Nope. Although they decided my payment should come out on the 21st, a late payment is being charged to my account on the 20th of every month?!?! When will the cycle end. With all the fees my bill is unbelieveable! What can I do? I just got a new statement with two late payment fees of $39.. wtf... how do I make this stop?

In December 2009 I made two payments, on time, to my Target Redcard account so that I could use the card for a car rental on my vacation at the end of the month. I carefully calculated the credit amount I would need to cover the car rental and the car rental company's hold. Two or three days after I made each payment, I called to check the available credit and the recording said "zero dollars." I also checked the account online and it showed available credit as $0.00, even though they admitted they credited both my payments. Wtf??? They credit your payments but then refuse to make your credit available? I called them to discuss this, and was told, initially, it could take "7 to 10 days." I have never had another creditor take this long!!! One week after the first of my two payments, my available credit was still showing zero AND they lowered my credit limit by $200, with no advance notification. I called them again. This time, a bored sounding customer service rep or whatever she was told me it could take "several" days to free up my available credit. It has already been more than "several" days, but they won't acknowledge that. They claim they don't know when it will show the available credit amount from your credited payment. The lowering of my credit limit, btw, meant I was screwed and could not use the Target card for my car rental. My vacation stands a good chance of being ruined because of this, but of course Target does not care. I spoke to (screamed at, I admit) a supervisor after the CSR kept repeating the same maddening singsong litany about reviewing accounts monthly, etc. The supervisor refused to tell me when my available credit would show as actually available and refused to reinstate my credit limit to what it was before. Target National Bank employees are not helpful to customers in any way; they must be trained to endlessly repeat the same garbage till you want to leap through the phone and inflict physical violence on them. I'm a peaceful person, normally, but all of this infuriated me beyond belief. They claim they don't have to give customers advance notification before making a major change to your account. I suppose they can do whatever they want and consumers have zero rights, just like my zero available balance. I admit I've been late on payments, but in December I was on time and paid way more than the minimum due. I don't expect any corporation to care about my life or my plans, but they don't even pretend to listen or attempt to help you find any kind of resolution. In fact, half the time when you call you get someone in India or someplace who is very hard to understand and sounds like they're reading from a script. They're just horrible, judgemental and rude. Where's the incentive to pay them on time? Or to pay them at all, for that matter? They should be required by law to give advance notification of their changes. I told them they were more evil than Wal-Mart, but I'm sure they don't give a crap.

I was reviewing my credit statement from Target bill and noticed that my interest jumped from 14% to 19%. I was not late or over the limit so imagine the suprise. I called to see what was going on. The guy on the other line explained they sent me something in Feb. that explained it all according to him. I am not a lawyer or business person. I am sure I skimmed and nothing jumped out at me. Wiz kid on the other line said I had chance to opt out but that time had passed. I said I did not see anything I had to sign. I was calm and told him that I know he had no control over it. It got worse though when I asked to be transfered and he wouldn't do it. He said that he was the supervisor and there was not one else. No wonder he such freaking dip sh&t he has to run all Target by himself. We all know that is not true, but is really worth my time to argue with someone that doesn't care. II just want to pass along the word. Chase was happy enough to transfer my Target balance with zero percent interest.

I received a little notice from Target National Bank informing me that they were going to raise my rate to 18.9. It has been 15.9. Now this may not seem like much but it is for no reason at all. I have always paid on time...never ever late. I have always paid over the minimum. I am writing this to inform others to check their interest rates. I have written them a letter opting out of their new rate and closing my account. I despise sneaky, underhanded practices which punish those of us that bust our tails to pay their bills on time.