Target Complaint - Red Card Late Fees
As usual upon checkout I received the same old, "Would you like to apply for..." Normally I just politely say "no," but this time I got the hook. "You will get 5% off this purchase and all future purchases when you use your "Red Card." I knew my credit was still good, so I filled out the application and approved immediately. Saved almost $5! I was a happy camper!! Got my first bill in the mail and went online and set up online payment and paid entire balance. Just got an email today saying I could see my statement. Statement! I didn't owe Target anything, or so I thought. First time I tried to sign on, my password was rejected. I then had to go through the "forgot user name" process and type my card info in only to find I had it right in the first place. When I finally got to my online account I saw that I had a $26.16 balance. How could that be? I paid the entire balance as soon as I got it? I went to "View statements" and see a charge for "Fees Charged" $25 and "Interest Charged" $1.16
WHAT? I called customer service immediately and after wading through the menu got a hold of an American customer service representative I say this for the benefit of previous posts that refer to "Johny 5" reps. http://en. wikipedia.org/wiki/Short_Circuit_(disambiguation)
I asked why I was charged a "Late Fee" when I paid my bill as soon as I got it. The polite representative said the payment was received one day late. I told him the bill was sent out late. He offered to refund $13 and make the balance $12. I said "No way, I want to cancel this card right now and I'll NEVER shop at Target again." I was not as polite as the representative He said he would see what he could do. He came back and said Target would waive late fee and interest. Interest on a late fee! Can you imagine that?
I will from now on use my Red Card and receive the 5% discount and immediately pay the bill online making sure of course that there is not a pre-existing balance and my payment is not credited to the previous month so the onerous Red Card will have the opportunity to charge me the dreaded Late Charge plus Interest. Read the other reviews of people who paid too early. I can't believe this company