Description: The article is about target red card login. This passage is about the benefits the Target red card provides for the customers. The author shares seven tips including open a separate checking account that you’re going to use for this red card,making sure that you are using your red card every time that you go to Target and so on.
Today I want to tell you a little bit about the target red card and in particular the debit card. I got the debit red card a few months ago,I’ve been using it for every single target purchase since I got it. I want to share a little bit of information about it with you in case you are thinking of getting the debit card or the credit card.
It took me a while to decide that I wanted to get a red card. Opening a new debit card or even a credit card especially a credit card is not something that I can take lightly to. It took a lot of thought and I looked up things online about it and tried to talk to anybody who had one of those cards. I came to the conclusion that I wanted to have one. I knew I wanted the debit card instead of the credit card. So if you’re interested in how it’s been going for me and what I think about it so far then please stay tuned.
I’m going to share some general information and maybe some tips with you about what I’ve discovered about the card and what I like about it. There’s nothing I don’t like about it so that’s a good thing. I also want to talk about how it’s been going for me in general.
You can get the target red card in a debit or credit card. Debit card has to connect to a checking account and the credit card is a regular credit card. You can apply for it through the mail or you can apply it in store or possibly online. I’m not entirely sure but I applied for my card in the store.
It is my first tip about getting a target red card and what you should know. You should open a separate checking account that you’re going to use for this red card. I know that sounds like a major step to some people and it maybe seems to be overkill. But here’s why I recommend having a separate checking account. If you remember in 2014,Target had some major security issues.
I was one of the people who shopped at Target and somehow your information got compromised. I got a letter in the mail that said target recommends you go to your bank and get a new debit card. So I did. Luckily I didn’t experience any identity theft or anything major,there are no consequences from it other than that my information was compromised somehow from shopping there.
Because of that huge security thing that they had going on,I thought that it would be best for me. What I feel best about is that I can go to my bank and get a separate checking account different from my main one that I use for my daily shopping and bill paying. I would put a little bit of money at a time in that account and that would be the checking account which is connected to my target debit card.
It was no problem for me to do that at my bank. I know some banks allow you to have a certain number of free checking accounts or certain number of free savings accounts,there’s no charge for those. It was very simple for me to go to my bank and get an extra free checking account. That’s what I did.
That’s what I felt given those past security issues and considered that I knew I did not want the red card as a credit card. I felt like that was my only option to make this work for me. That’s my first tip,you should get a separate checking account. It helps if you have to put a little bit of money in there at a time. If it’s not connected to your main checking account where you keep the most money,you have to be more careful about what you’re spending,for me that’s a good thing. So that’s my first tip.
Tip number two is that if you have a new checking account but not a separate one like I mentioned,that’s for shopping,if the checking account that you’re trying to connect with your debit card 2 is too new,they will not be able to process your red card application on the spot. that’s what happened to me. I went to my bank and opened a new checking account and then I zipped over to Target and applied in person for the red card,however it didn’t work because the checking account was very new.
What they need at that point is that if you’re not necessarily declined,they need more information to process your application. In store they told me to expect a letter within 7 to 10 days and I got a letter from them and here it is. What it tells you is that they need more information to process your application and please fax copies of the following documents to some phone number. What they ask you for is the front and back of your driver’s license or other government ID,a utility bill bank statement or pay stub and a copy of that letter.
It’s a little bit inconvenient because you have to find a fax machine and a lot of people don’t have fax machines anymore. But in terms of keeping your identity safe,it’s fine,it wasn’t a hassle it was inconvenient. It was not a problem. I did it,it was fine. You may give it a few weeks from the time the checking account has been open to the time you apply for the debit card.
Tip number three is that while you’re waiting for your application to be processed,you can still bring in this letter to target every time you shop at the register,tell the cashier that you have this letter and this is what’s going on,it’s still being processed.
They will give you the 5% off. When you are doing your shopping trip,you can bring that letter in until you get your card. If anybody has experienced anything different and they didn’t honor the letter and didn’t want to give you the 5percent off,please share that with me.
I had a great experience and I had absolutely no problems bringing the letter in showing them that my application was being processed,could I still get the 5% off? Every time I showed up there,they gave it to me. Don’t miss out on getting the 5% while you’re waiting for the card because that’s wasted money. Don’t miss out on them.
Tip number four is more information than a tip. The 5% that the red card gives you comes off obviously at the register but not until you insert the credit or debit card into the credit card machine. When they bring up all your items,they will give you a total that does not include your 5 percent yet and the cashier don’t have to do anything to give the 5 percent discount.
Not until you put the card into the machine,will you see that 5 percent discount. But it comes off a check every single time,I’m careful about it. It’s never failed. It comes off every time with no problems in it. Tip number 5 is to make sure that you are using your red card every time that you go to Target.
It can be compounded with other sales. You can get five percent off with the red card on top of a sale or clearance price and on top of the cartwheel application. If you are not using the cartwheel application,I highly recommend it . I love the cartwheel application,I use it all the time and it has gotten me a lot of savings for almost 180 dollars. I think it is the amount from the last time I checked it. I saved money from using the cartwheel application alone.
You can use the application or when you find something with that great orange clearance sticker on it. 5% is on top of that amount. If you can figure out what’s on sale that you need or want or what’s with the cartwheel application,that 5% of the savings are going to add up. I love that. I think that’s so fun. Besides 5% off of your purchases,you also get an extra 30 days to make returns and free shipping for target online.
I knew that when I read that information. There are some restrictions or some limitations to that so be sure to check the fine print. All that information is online too. If you’re interested in the red card from a shipping or extra return period,then you should definitely check that out too. That’s an extra perk.
Tip number six is to know that the red card five percent off works for gift cards. No huge disclaimer,it does not work for Target gift cards. Why would they do that? So Target Gift Cards are out of the question. You’re already 85 percent off the target merchandise That’s fine.
But all the other gift cards that target sells you can get with your red card for five percent off,it’s awesome. I have already got myself a few gift cards for gift-giving purposes especially if you have a lot of birthday’s coming up for your loved ones or Christmas. That’s the biggest one.
If you have to buy gift cards for people or gifts from stores that have gift cards that targets sells then you should definitely get your gift cards at Target for five percent less. I have bought myself a Starbucks gift card already,I’ve got myself a Disney gift card. For Disney fans,it’s a very big deal.
If you are buying park tickets or a lot of Disney merchandise,you can get those gift cards for five at Target. Anybody who’s been to Disney World or Disneyland knows it’s very expensive. So I need a little bit to save which is good.
They have movie theater gift cards,they have restaurant gift cards,they have Southwest Airlines gift cards,they have Facebook gift cards. I don’t know what you need a Facebook gift card for but they have those too. They have Steam and Game gift cards.
I think 5% off is worth it if you’re going to be buying those gift cards or spending money at any of those stores or vendors. Why not get them five percent off? That was a huge draw for me. It’s one of the major reasons that I got this card.
And here comes my seventh tip and also my final tip. It is more of a shopping tip in general. If you are a Shopaholic like I am,then I want to tell you something. I love to shop,I feel like I could shop all the time. But I struggle between that and being budget conscious. Being on a budget is very important to me,but I love to shop and so when I’m shopping,I want to save a few dollars if I can.
Let me get to that tip. My last tip is be mindful of what you’re spending. 5% is a good thing. If you want or need something or love something you have to have it or you have a big gift-giving occasion,5% is great.
It can make a difference when you’re spending a lot of target and over the years. However 5% is only 5%,if you buy a lot stuff that you don’t need then you are not saving any money. It does not matter if you got a 5% off so what I would say for this tip is that you need to be mindful of what you’re purchasing and don’t go overboard with your shopping.
When you think you’re saving big money with 5%,you are not going to become a millionaire by saving 5% at Target. 5% is probably not make or break at the end of the day. So you should be reasonable about it. That are all the tips that I have at least for now. If in the coming months I discover anything different about the card or I have any issues,I’d be happy to share with you.