sheepea
Junior Member
Posts: 85 
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Post by sheepea on Dec 1, 2015 22:09:24 GMT
I was going to finally sign up for Target's red card, the one that can be linked to a checking account, but when reading the terms, I got a little nervous about how much information they share with affiliates. Can someone give me an idea if you were spammed to death or if you even noticed any changes after signing up for this card?
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Post by myshelly on Dec 1, 2015 22:21:12 GMT
I've had one for several years.
It's been amazing!
I love the discounts, coupons, and free shipping.
I've never had any problems.
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smartypants71
Drama Llama
Posts: 5,710
Location: Houston, TX
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Post by smartypants71 on Dec 1, 2015 22:25:38 GMT
I have one and I love it. Honestly, I get so much spam already, I wouldn't know if it was from Target.
I have a separate email for that kind of stuff though.
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Post by melanell on Dec 1, 2015 22:28:03 GMT
I've had one for several years. It's been amazing! I love the discounts, coupons, and free shipping. I've never had any problems.  I haven't noticed any negative at all, and it's been 5 or 6 years now that I've had it. |
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Post by M on Dec 1, 2015 22:34:26 GMT
Very happy to have ours. The one thing I did not like (past tense) is that it used to take forever for it to come out of the bank. It is much faster now.
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bethany102399
Pearl Clutcher
Posts: 3,531
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Post by bethany102399 on Dec 1, 2015 22:45:02 GMT
The one thing I did not like (past tense) is that it used to take forever for it to come out of the bank. This is what caused me to cut mine up. I hated that it took 3-5 DAYS to come out. The discount just wasn't worth the hassle. Glad they got it fixed. When I did have it, I didn't notice an increase in spam. |
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Post by magentapea on Dec 1, 2015 22:49:31 GMT
I have had one for years and I haven't noticed any increase in spam.
I didn't like the idea of using it with my main checking account so I opened up a separate checking account that I only keep a few hundred dollars in and the only thing I use that account for is the Target debit card. I was concerned about thieves getting into my main checking account (and this was before the Target hack).
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sheepea
Junior Member
Posts: 85
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Post by sheepea on Dec 1, 2015 23:06:37 GMT
Thanks for the replies, ladies. I've waited this long because I thought it was just a credit card they offered, then when I saw I could link my checking to one I was pretty excited. When I read the small print it stated that they would have permission to share my social security number (for legal reasons) along with everything they will ever learn about me, that just made me a bit nervous. Target is 5 minutes from my house so I'm there often enough that the local store knows me too well already...  |
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Post by elaine on Dec 2, 2015 0:00:46 GMT
I have one and I love it. Honestly, I get so much spam already, I wouldn't know if it was from Target. I have a separate email for that kind of stuff though. |
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trollie
Pearl Clutcher
Posts: 3,580
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Post by trollie on Dec 2, 2015 0:15:00 GMT
Love mine! Funds come out of my account the next day. Small delay.
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Post by myshelly on Dec 2, 2015 0:22:51 GMT
I still have a 3-4 day delay in the funds coming out of my account.
It messed me up when I first got the card (assuming funds had already come out of my account when they hadn't) - so be aware of that, OP.
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Post by melanell on Dec 2, 2015 1:20:59 GMT
Very happy to have ours. The one thing I did not like (past tense) is that it used to take forever for it to come out of the bank. It is much faster now. Yes, both target and one of the local gas stations used to drive me nuts with that, but both are better now.  Target still has a few days delay, but not nearly as bad as it used to be. |
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Deleted
Posts: 0
May 17, 2024 16:37:21 GMT
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Post by Deleted on Dec 2, 2015 1:25:56 GMT
I have had one for several years, no problem with spamming.
I love it for the discount & on black Friday you can jump the checkout line.
Instead of standing in line that snaked throughout the whole store for checkout, we walked into the red card lane and only had 4 people ahead of us.
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GiantsFan
Prolific Pea
Posts: 8,294
Site Supporter
Jun 27, 2014 14:44:56 GMT
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Post by GiantsFan on Dec 2, 2015 1:33:34 GMT
I'm glad that everyone has had good results. But to me the discounts are not worth the possible risk. I don't have any store cards. I prefer to use my regular bank issued credit card for everything. And yes my CC was hacked twice in last year (once around the Target debacle time-frame and once over the summer), but at least with a credit card dispute I still have my bank account balance while my card is on hold.
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Deleted
Posts: 0
May 17, 2024 16:37:21 GMT
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Post by Deleted on Dec 2, 2015 1:40:02 GMT
I have one and I don't notice a ton of junk mail. I elected for the debit card because God knows I probably wouldn't be the most responsible with a Target credit card!  |
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Post by Leone on Dec 2, 2015 3:32:53 GMT
It works! If you shop at Target often, you need it as its an automatic 5% savings.
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Post by bwife on Dec 2, 2015 5:06:58 GMT
I'm glad that everyone has had good results. But to me the discounts are not worth the possible risk. I don't have any store cards. I prefer to use my regular bank issued credit card for everything. And yes my CC was hacked twice in last year (once around the Target debacle time-frame and once over the summer), but at least with a credit card dispute I still have my bank account balance while my card is on hold. But with the DEBIT card, You have a PIN #. When target was hacked, it affected CC #'s but could not access a debit card with a pin # being put in. That hack that happened last year, There were LOTS of people in my area that had issues after that. I did not. And I think it was because of the PIN # thing. |
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GiantsFan
Prolific Pea
Posts: 8,294
Site Supporter
Jun 27, 2014 14:44:56 GMT
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Post by GiantsFan on Dec 2, 2015 5:48:22 GMT
I'm glad that everyone has had good results. But to me the discounts are not worth the possible risk. I don't have any store cards. I prefer to use my regular bank issued credit card for everything. And yes my CC was hacked twice in last year (once around the Target debacle time-frame and once over the summer), but at least with a credit card dispute I still have my bank account balance while my card is on hold. But with the DEBIT card, You have a PIN #. When target was hacked, it affected CC #'s but could not access a debit card with a pin # being put in. That hack that happened last year, There were LOTS of people in my area that had issues after that. I did not. And I think it was because of the PIN # thing. PIN or not, I don't have any store cards. I'd rather pay extra and have peace of mind that my bank account is only connected to my mortgage payment and my (same) bank issued credit card. And like I said earlier I'm glad you've had good results. It's just not my thing. ETA: And I only use my debit card at the ATM and Costco, all other purchases are made with my CC. I do have a Chase Liquid card that use for sketchy in person and online purchases. I only keep less than $200 on it. |
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PLurker
Prolific Pea
Posts: 9,744
Location: Behind the Cheddar Curtain
Jun 28, 2014 3:48:49 GMT
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Post by PLurker on Dec 2, 2015 7:11:11 GMT
Like m said, it doesn't come out of your account immediately, so you need to be aware of that. And 5% off is a good thing. It's like paying no sales tax. |
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Post by pepper59 on Dec 2, 2015 7:21:08 GMT
Yes and love it. Never noticed any issues. Love the free online shipping and 5% is 5%. Definitely worth having.
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Post by princess consuela on Dec 2, 2015 7:21:36 GMT
I have one and really like it for the 5% savings. And the free shipping, though I've only used that on a few occasions. I now use Cartwheel as well, and find it a pretty easy way to save a bit more (just scan the items I put in my cart to see if there's extra savings)
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Target still has a few days delay, but not nearly as bad as it used to be.
