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Target Credit Card - Target REDcard Review - YouTube
Channel: CreditFast
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hi today I'm going to review the target
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red card I have the red card myself I'm
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going to tell you all about what it's
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like to have the target red card and
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I'll tell you a target red card secret
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something target doesn't want you to
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know about the red card
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[Music]
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okay so in this video today I will be
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talking about the target red card it's a
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card that I absolutely love I'm going to
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tell you about all the clear benefits
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you can have by having the target red
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card and I will be talking about my
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experiences using this card and ways
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that you can maximize the savings and if
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you have the target red card it allows
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you to save more money than if you paid
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for your target purchases in cash or
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with another credit card so in this
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video today I'm going to explain how I
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effectively use my target red card to
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make purchases and if you like this
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video today I'd appreciate it if you
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could hit the like button and if you
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want to see more of my content please
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hit that subscribe button and bail
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notification I talk about all different
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kinds of credit cards I talk about major
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credit cards and I talk about store
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credit cards so if you want to know how
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to maximize your savings or earn a lot
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of credit card rewards you'll need to
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hit that subscribe button so let's get
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on to talking about the target red card
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and why I love it so much also somewhere
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in this video I will tell you the target
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red card secret I call it the target red
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card secret because the target account
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Department asked me not to put it in
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this video but I'm going to do it and I
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will kind of explain why when I get to
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that point
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I got a easy credit approval with the
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target red card at that point all I had
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was my Capital One platinum card which I
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talked about in an earlier video that I
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did and then I had two other credit
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cards I was rebuilding my credit and on
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my report at that time I just had those
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three accounts one for about 11 months
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whoa and the other two were about six
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months each and that was enough to get
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me approved for the red card and I was
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also given a pretty generous credit line
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so I think as long as
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you are starting to show positive credit
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history you should have a fairly easy
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chance of getting a proof at the target
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Red Guard if you think you need a little
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bit more help in rebuilding your credit
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before applying for the target red card
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I have listed a link in the description
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below on fair credit offers and those
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are also different lines of credit that
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you can get to help build your credit
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and these are major credit cards okay so
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just like the majority of all store
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credit cards the target red card has
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very high interest so it is important
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that when you get your bill you pay that
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in full that way you'll get the full
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benefit of your 5% discount so if you
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want to know more about the target red
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card more than I even covered in this
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video I did a review article telling you
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about the pros and cons I even go into a
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little bit more into the target debit
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card which I didn't talk too much about
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in this video but if you wanted to know
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the benefits of the target debit card
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you can learn about that as well so you
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can find that article the link will be
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in the description below this video and
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here are some popular ways you can
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receive that 5% discount
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pretty much everything you purchase with
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the target red card you will receive
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that 5% discount including purchases at
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Starbucks but there are some exclusions
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to the 5% discount from them using the
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red card and I've listed some of the
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common exclusions there may be a few
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more but these are the very typical
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exclusions that you would expect not to
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get your 5% discount and I can say for
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my personal experience that pretty much
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everything that I've put on the red card
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I've received a 5% discount
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I can't think offhand of a time where I
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bought something that it didn't apply
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I'm telling everybody this so that they
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know that most things are included not
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excluded as far as the 5% discount
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reward goes you need to keep in mind
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that you do not get 5% if you use a gift
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card so if you had a $50 purchase and
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you used a $25 gift card you do not get
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5% discount on the amount that was used
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with the gift cards okay so with the
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target red card you can make your
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payments online over the phone or in the
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store just note that if you make online
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payments that you can only make those
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payments accounting for that business
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day by 5 o'clock Central Time this is
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important if you decide to make your
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payment on the due date so if if it's
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past five o'clock Central Time you do
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have an option of calling customer
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service and then you can make a payment
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much later
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so that's just a tip for you just in
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case when you're trying to make an
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online payment you discover that you
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cannot have that payment counted for the
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same business day you can always call
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customer service and make that payment
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by 11 o'clock and it will be counted for
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that day something some customers do I
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don't do it personally but
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target offers subscription services and
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with these subscription services you
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save an extra 5% off on your script
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subscription order and if you use your
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target red card you save an additional
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5% and you get free shipping on your
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purchase so you can end up saving money
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and you will have convenience and having
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these items shipped directly to your
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home so you can see from the screen
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that's setting up and managing your
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target subscription is fairly easy and
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if you need to make any adjustments
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along the way it's a pretty
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straightforward process one of the
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things I love about shopping at Target
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is store pickup you can do all your
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shopping in the comfort of your home and
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pick up your items within a reasonable
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amount of time you have a couple of days
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to pick up your items from the time you
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make your purchase so what I did last
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year is that I I did a lot of my Black
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Friday shopping on the target website
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itself if there are some deals with very
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limited quantities they will not allow
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you to do store pickup on those items
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but most everything else in the Black
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Friday circular you can buy and online
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and pick up at your own convenience you
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don't need to get up early and
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convenient service that Target offers is
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a drive up order option you can make
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your purchases online and select drive
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up orders and they will deliver your
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purchases straight to your car one perk
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that I really like about the target red
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card is that you get an extra 30 days
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for returns so if you make your purchase
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using the red card or the red debit card
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you can get an extra 30 days to return
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your items the target red card secret is
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that if you have good account history
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with Target they might upgrade your card
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to the target MasterCard which they did
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for me last October they didn't want
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to share this with you in a video
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because they they do this all internally
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they make a decision whether they're
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going to upgrade an account and they
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didn't want people to call up requesting
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a target MasterCard I talked to it an
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account manager in the credit department
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and it was made very clear to me that
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you cannot request a Target MasterCard
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no matter what you say you cannot get
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upgraded to the target MasterCard and my
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feelings on the upgrade was that I take
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it as a compliment but it's not
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something I'm really going to utilize I
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do not earn rewards by using the target
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MasterCard I do not get any kind of zero
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APR deal using the target MasterCard it
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really has no clear benefit for me there
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are only two added benefits with having
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the target MasterCard over the Target
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store card there and those are
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mastercard ID protection and then an
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extended warranty on your purchases so
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the only clear benefit I see is that you
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get double warranty protection on some
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of your purchases personally although it
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was really nice that they upgraded my
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account to MasterCard I have not once
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used it outside of a Target store the
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only time I use my target red card is
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shopping at Target and that's how I get
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all the benefits I talked about in this
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review today it's shopping a target with
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the target red card that's how you save
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the money and if you shop outside a
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target you will actually lose out there
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are so many reward cards that you
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probably have that will give you
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something back for just using those
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cards and you will not get any kind of
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reward benefits by using the target red
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card as of filming of this video so
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don't storm the phone lines and demand
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your target red guard you can live
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without it so I'm going to recap from my
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video why you should
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really consider the target red card
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first of course you will receive the
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five percent savings on most of your
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purchases you'll receive an additional
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30 days for returns and you will get
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free shipping on most items that you buy
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with your target red card so I have
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absolutely no regrets and getting the
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target red card it was before it was
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upgraded to the master card the only
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store credit card I had and the only
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store credit card I wanted it's so easy
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with some credit cards the reward
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programs are difficult to manage and you
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have to go through the step of redeeming
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your rewards it's nice that this is more
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of a discount rather than a five percent
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cashback they will just give you the
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five percent discount right away with
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all your purchases and I really loved
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that very simple aspect of having the
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target red card I know I know I've saved
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a lot of money in the years that I've
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had the target red card
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