Target Credit/Debit card

[rots5]

Only payments thirty days past due are reported

thanks

[JayBerns]

I'm planning on getting the Target REDCard (credit) for my wife.  We're not churners and am not worried about the hard pull.  Any recommendation whether to get the VISA or the plain Store Card?

[Ergel]

Anyone know if US target card used in Canada will have a forex charge?

[12HRS]

I'm planning on getting the Target REDCard (credit) for my wife.  We're not churners and am not worried about the hard pull.  Any recommendation whether to get the VISA or the plain Store Card?

They give you the visa if they like your credit more. The store credit version is if they do not want to give you a visa. You apply and they decide which to give you, you can't choose one over the other.

FYI, the debit card offers all the same benefits as the credit card except it works like a debit instead of credit.

Edit: People above are saying you can't use the debit online.

[Saver2000]

They give you the visa if they like your credit more. The store credit version is if they do not want to give you a visa. You apply and they decide which to give you, you can't choose one over the other.

FYI, the debit card offers all the same benefits as the credit card except it works like a debit instead of credit.

Edit: People above are saying you can't use the debit online.

And except that you need to have money available in your checking account, as apposed to a credit card which you can pay at a later time.

[12HRS]

And except that you need to have money available in your checking account, as apposed to a credit card which you can pay at a later time.

That would be part of the difference between a credit and a debit

Also per targets website the debit card does work online.

Anyone know if US target card used in Canada will have a forex charge?

As of right now from targets website: Target Debit Card and Target Credit Card can only be used at Target.com and at Target stores in the United States

[Ergel]

As of right now from targets website: Target Debit Card and Target Credit Card can only be used at Target.com and at Target stores in the United States

Thanks. On the phone they told me I could use it but didn't know about forex

[12HRS]

Thanks. On the phone they told me I could use it but didn't know about forex

Target phone people may know more than the website.

Maybe just buy gift cards online at a discount for use there?

[Ergel]

Target phone people may know more than the website.

Maybe just buy gift cards online at a discount for use there?

Interesting. How would that work-what would the exchange rate be?

[yitzf]

The debit card can be used at Target.com and you get free shipping, 5% off and an extra 30 days for returns.

[12HRS]

Interesting. How would that work-what would the exchange rate be?

Somehow I totally blanked on that thought. I did a google search and ended up with http://www.target.com/spot/corporate-giftcards/faqs#q21

saying that you can not use them in canada. Sorry for the bad idea.

[churnbabychurn]

The debit card can be used at Target.com and you get free shipping, 5% off and an extra 30 days for returns.

+1

[myi]

Any reason one should go for the Target debit card vs the credit card?

[herb]

Any reason one should go for the Target debit card vs the credit card?

no credit pull