This is the second time Target has used late fees to get more money from me. On January 2, I sent $50.00 for a $10.00 minimum payment DUE on the 8th, electronically through my bank. Target didn't post the money until January 10th and issued a $39.00 late fee. (steep!) This ate up the entire $50.00, and only dropped the amount by $7.00!
February, concerned about the slow posting from the previous month, I sent two payments in. One ($25.00) from the bank again to see how long before this check would post, and then walked into the store and paid $46.05 because I didn't want to be caught with another $39.00 late fee. My statement showed BOTH checks were posted on the 7th. Target seemed to be better that month.
It's March now, and I just received a phone call from an Indian woman saying Target did not receive my payment this month. I sent it from the bank on February 27th, $30.00 for a $10.00 minimum payment, DUE on the 11th of March. 12 DAYS before the due date, 18 days have passed since the money cleared my account on the bank's end.
I called my bank to find out what happened. They put us on a 3 way call and the bank asked Target to *** the late fee since the check went out in plenty of time, and Target REFUSED. I told them they left me no choice but to end the account and never step foot in the store again. Target responded saying they will raise my interest rates.
My husband (as angry as me) just paid cash to pay off the account, minus the $30.00 that they still haven't posted yet. Because the amount is over $200.00 it could take up to 8-14 days for it to post-even though he paid CASH toward the bill. (they are holding up cash?) When I called to see if they credited my account, I found out (through the automatic system) the $30.00 check will be posted on March 21st! Have they had my check this entire time? Are they holding it to get the late fees?
I'm not asking for special treatment. I'm asking to be treated FAIRLY. I'm sending in more then they ask, with plenty of time to post it to my account. TARGET is holding the money up, issuing late fees and risking my good name and credit history.
This company doesn't value it's customers. It treats them like dirt and collects extra money in questionable ways. BEWARE OF TARGET'S CREDIT CARD TACTICS. They will ruin you, and not feel responsible for it. They got their last penny from ME.
Review about: Target Credit Card.