Target billing is the worst company I have ever had experience with. Do not get a Red Card.
Decided to try their credit card to get a 5% discount. That's where my story with Target begins.
First they sent my bill to the wrong address. My local post office sent it back to them. When The bill came I promptly paid it by check and mailed it at the post office.
Next they billed me again and with a 39% penalty added. After they lectured me not to pay by mailing a check, they waived the penalty and took a phone payment to my bank.
In 3 weeks they started calling saying they have not received my payment. They said the account number was wrong and the payment would not go through. This was odd since the agent that took my account number read it back to me twice correctly. So I had them do a phone payment again and had my red card account cancelled.
Now 3 weeks later they sent an invoice showing my two phone payments. This puts me now at having over paid. It show my balance at $0.
I am now trying to get a refund for my over paid balance which they demanded I pay or they would report me to the credit monitoring companies.
While 5% sounded good it was a trap and I regret ever going into their store. Obviously I will never go in one again.
I pay my bills on time and never carry a balance. I use a few other cards but never ever have any problem with any of their billing departments.
This is a company you must avoid. Wish I could rate them 0 stars. read more
