June 24, 2007

  • AARRGGGHHH! This is SO frustrating.

    So I was just at my home-away-from-home, SuperTarget, right?  Having recently set it up so that when I use my Target card Dmitry's school gets a cut, I figured it'd be nice to actually use it for a change.  I mostly don't.

    Darned if my whopping $40 purchase wasn't declined.  e-11_confused

    I knew it wasn't because of being behind on it, so came home, went to the Target site, enrolled in the online-account managing thing, and confirmed that there's no minimum payment due, and I should be fine.   I was also appalled to discover that I'd been "upgraded" to a Target Visa, along with a hefty credit limit, never mind the fact such an "upgrade" had been neither requested or approved by me.  I vaguely recalled receiving a communication from Target some months ago, advising me I'd been "approved" for their Visa, and to call some number or other to activate it.  Didn't want it, so I didn't.  Over the months I'd occasionally put a gift card or kids' birthday presents on it, no problem.  Make my payments via Bank of America, also no problem.

    Turns out they just recently went ahead and converted the RedCard to the Visa card, never mind my lack of approval, and when they did so it closed my RedCard, which is why it was declined.

    This simply drives me wild.  For years the Target salesclerks have tried to get me to switch to their Visa, but I was resolute in declining.  No, thanks.  No, thank you.  Thank you, no.  Thanks EVER so, but NO.  I don't want a high-limit credit card; my little old RedCard works fine.

    Target decided I was going to have their Visa, and that was that.  According to the customer service rep I spoke to a few minutes ago, it's automatic...after a period of time, all RedCards get "upgraded" to Visas.  The customer doesn't really get a choice, as I discovered when I wanted to be reconverted back.  No can do, or at least, no will do.  Once it's switched over to the Visa, that's it.

    Told the woman to shut it down, then, and I'll just pay it off.

    She did so, then brightly assured me in future I was certainly welcome to apply for another Target RedCard.

      e-arg

Comments (1)

  • well, that answers one question for me: should I activate my RedCard and buy little things, and never carry a balance, in order to build up my credit?

    Looks like...Nah. Prolly shouldn't.

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