January 3, 2014 - yekaterina
Red Card Hell
I used to be a Target customer with the Red card – and now I am paying for it. Literally.
I signed up for the Red Card several years ago – because I liked shopping at Target. Then, I converted it to “general credit card” type (not just for Target). I paid my bill on time, never missed a payment – until… I got in an accident. I was on disability for seven months. I could not work, and I could not pay my bills. When I talked to customer service, they refused to accept payments I offered, Â saying the payments have to be larger…
Long story short, now they are after me, guns – a blazing. They levied my accounts- twice. I understand that I owe money, but their credit service, like their customer service, sucks. There is no talking to them – they want what they want when they want it. Period. They do not care about their customers, past or present. All they care about is money.
I do sincerely hope Target goes out of business.
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Find a credit counseling service. There's some good places out there. They can put you on a payment plan and deal with Tarshit for you. You'll also be likely to get a better interest rate, and a discount on what you owe.
Yeah credit counseling will be a good idea just do some research and find the right one. I rarely EVER asked people to sign up for a Shit card the 5% is a joke! and I NEVER asked anyone for the credit card because ive heard similar stories