I'm Lost! The REDCard Thread

[dannyy315]

Same!

My credit score is great and I was turned down for the cc (though they used equifax and I haven't looked at the equifax report in over a year). I reopened my target cu account though so I'll probably transfer money there when I use the discount. The redcard 5% is not worth the trouble. I've saved so little this year and when I think about it, I wouldn't have bought a bunch of stuff to begin with if I wasn't thinking about potential discounts. That 5% becomes an excuse more often than I'd like to admit

That's a good way to look at things. I sometimes buy things I don't need just because I save 5%. I wonder how much less I would spend if I didn't have that discount...

 

[Guest]

They're in prison.

 

[Kartman]

Awesome moron post.

 

[Guest]

Spank you

 

[OnSix]

*hypothetical question*

Why would anyone not want to sign up for the RedCard? Most responses are get are something like:

"I'm okay"
"I'm good"

Is it like I'm calling them poor and get offended when I ask them if they want to save 5%?

But seriously, why would someone not want to sign up?

Maybe because they don't want one?

 

[pellinore]

Why not get a redcard?

1) recent filing for bankrupt status.
2) don't want to add another card to the bunch of cards they already have.
3) no debit card......not worth getting a checking account....or buying checks.
4) some people prefer to use cash for their items.
5) trying to get a loan for buying a house....opening a card doesn't look good.....don't quite understand why.
6) some people have made household budgets that they follow.
7) guest had their identity stolen.
8) guest lost all cards once and only wants to use one card.
9) guest not old enough.
10) guest doesn't trust Target since the security breach.
11) with a couple sometimes one of the people doesn't want to have more cards.
12) someone will often tell me "my ----- is an accountant and they say that cards aren't good."
13) personal bad experiences with the RedCard.....why they no longer have it nor want it.
14) the guest just doesn't want one.
15) guest says they don't usually shop at Target.
16) guest says that there isn't a Target store near where they live.
17) guest doesn't want to have to deal with a credit card.
18) bad credit.
These are just a few reasons for not getting a RedCard.

 

[Reshop Ninja]

19) Guest doesn't have a usable checking/bank account.
20) Guest has an account at a bank that doesn't allow them to link a Red Card to an account.
21) Guest doesn't want one for religious reasons. (I'm kinda guessing on this one.)

 

[sher]

That's a good way to look at things. I sometimes buy things I don't need just because I save 5%. I wonder how much less I would spend if I didn't have that discount...

They always tell us in huddles that on average, card users spend an extra $1000 per year each. Then add in the fact that we (I'm generalizing) see things/deals while working that we might not have thought of buying if we weren't working at target. At one point, target showed up so much on my bank statement that I was sure that if I shopped anywhere else, they'd flag it as fraud

 

[TeamRed]

22. Guest is old school and wants to stay old school and wants to continue writing checks. 23. Wishes the Redcard was like best buy rewards card etc etc where you get points or rewards not a debit or credit card

 

[Guest]

Just get frog/fraud protection

 

[Deli Ninja]

I had a GSA straight up tell me he didn't want to know the APR for the credit card. I assume because he would start feeling (more) guilty for pushing REDcards.

 

[allinone2]

"Would you like to save five percent today and everyday by ruining your credit with a ridiculously low credit line, not to mention the outrageous financial terms?"

 

[redcharmander10]

That's a good way to look at things. I sometimes buy things I don't need just because I save 5%. I wonder how much less I would spend if I didn't have that discount...

This is literally me with Cartwheel.

 

[Retail Girl]

They always tell us in huddles that on average, card users spend an extra $1000 per year each. Then add in the fact that we (I'm generalizing) see things/deals while working that we might not have thought of buying if we weren't working at target. At one point, target showed up so much on my bank statement that I was sure that if I shopped anywhere else, they'd flag it as fraud

But again, they don't know or won't tell us, which came first....does the guest shop a lot because they have a Redcard (like they assume) or does the guest have a Redcard because they shop a lot? Huge difference.

 

[sigma7]

The consumer side of credit:
Credit cards are a great financial instrument if you use them wisely. Credit cards are a terrible financial instrument if you are irresponsible with them.

The business side of credit:
Credit cards are a great financial instrument if consumers are irresponsible with them. Credit cards are a terrible financial instrument if you use them wisely.

If you aren't paying off your balance at each statement or you aren't keeping your balance low, then store credit cards are literally the worst type of credit you could ever apply for...second only to payday loans. There are people that never carry a balance and use them only for the perks and there are people that use them to live beyond their means and are in debt for the rest of their life. But there are also people who think credit cards automatically equal being in debt for the rest of your life and will never get one anyway. Personally, the red card is the first credit card I ever had and it allowed me to build a stellar credit score. I still have it, but I only use the debit card now. I have a much better credit card with lower APR, awesome rewards suited for me, and I still never carry a balance. To each their own.

To sum up, some people will never sign up no matter what you say.

 

[buliSBI]

If its not a strict loyalty card, no one will apply for it.

People want either cashback or travel point system cards

 

[OffYaPhone]

..Because I don't have any damn checks!!!

Neither do I. I just signed up for the debit card online using my routing and account numbers. And even though we don't get credit for it, I tell guests who tell me they don't have checks to do the same if they really want the card.

 

[Retail Girl]

The store gets credit for it at the end of the week if the guest is in your zip code range.

 

[whippingboy]

Don't want a card that can't decide when it wants to post transactions.

It takes three days for my transactions to post. I had a mortgage check bounce because of this. I had an ETL that would never sell a redcard for this reason alone.

 

[commiecorvus]

Our local grocery store has a loyalty card that is tied into Alaska Airlines.
I promise you everyone has a card since getting in and out of the state is mostly about flying.
It seems silly that Target hasn't worked something out to give airline miles on it's credit card.

 

[redeye58]

That was one reason I couldn't convince some folks to sign up.
Many folks can't afford full-fare & an everyday use like their card helps them bank up the points.

 

[dannyy315]

This is literally me with Cartwheel.

Same. A few weeks ago it said 15% off Nivea hand cream. I would've never bought it otherwise.

 

[signingminion]

It takes three days for my transactions to post. I had a mortgage check bounce because of this. I had an ETL that would never sell a redcard for this reason alone.

It's not a true debit card, it's an eft-ish account. 72 hrs is a decent range for those to post. If you are cutting it close and not balancing your checkbook as you write "checks" events you are gonna bounce one. It's not the card's fault.

I normally expect three days to post if I shopped mon-Thu, Fri thru sun posts Monday.

 

[NitroKing2110]

They always tell us in huddles that on average, card users spend an extra $1000 per year each. Then add in the fact that we (I'm generalizing) see things/deals while working that we might not have thought of buying if we weren't working at target. At one point, target showed up so much on my bank statement that I was sure that if I shopped anywhere else, they'd flag it as fraud

My bank did, once. I work in Target in City1, but live in City2 about 15 miles away. Used my regular debit card so much at work that when I went to go get keys made at a local hardware store, I got a call from Wells Fargo asking me about it.

 

[Bosch]

It takes three days for my transactions to post. I had a mortgage check bounce because of this. I had an ETL that would never sell a redcard for this reason alone.

Mine was anywhere from same day to 7 days.. Fuck that!