Current Events > Is there any reason to not get a Target Debit Red Card?

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The X Dawg
09/11/18 7:36:53 PM
#1:


Can't think of a reason actually when it comes to getting the 5% off.
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Muffinz0rz
09/11/18 7:38:03 PM
#2:


That's pretty much how specialized company-driven credit cards work. Great for their specific place but not much else
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VipaGTS
09/11/18 7:38:33 PM
#3:


No. 5% isnt a damn thing for most purchases. And its just a debit card.
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The X Dawg
09/11/18 7:39:13 PM
#4:


VipaGTS posted...
No. 5% isnt a damn thing for most purchases. And its just a debit card.


Well next week if you sign up then get you a coupon for a $30 off $100 purchase.
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_Rinku_
09/11/18 7:39:19 PM
#5:


It takes a few days for it to show up on your account whenever you use it. So, if you're like my friend who doesn't keep a ledger, you run the risk of spending $100 at Target, not seeing it show up on your account immediately, and thinking you have $100 more than you actually do.

They also collect a lot of data on their customers if that sort of thing bothers you.
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prince_leo
09/11/18 7:40:49 PM
#6:


if you already shop at Target then it seems like a no brainer
if you're altering your shopping habits, and possibly spending more money than you would normally, then it's probably not a good reason

there's also the idea that they use their cards to better track you and analyze data to find patterns and such, but if that doesn't bother you (and probably already does to a certain extent), then you should be fine
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VipaGTS
09/11/18 7:41:34 PM
#7:


The X Dawg posted...
VipaGTS posted...
No. 5% isnt a damn thing for most purchases. And its just a debit card.


Well next week if you sign up then get you a coupon for a $30 off $100 purchase.

Still not worth it. Youre better off opening a credit card at another store for that much. Youll save more and if youre responsible itll at least help your credit.
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Muffinz0rz
09/12/18 11:26:05 AM
#8:


VipaGTS posted...
The X Dawg posted...
VipaGTS posted...
No. 5% isnt a damn thing for most purchases. And its just a debit card.


Well next week if you sign up then get you a coupon for a $30 off $100 purchase.

Still not worth it. Youre better off opening a credit card at another store for that much. Youll save more and if youre responsible itll at least help your credit.

What store offers a credit card with more than 5% cash back?
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NeoShadowhen
09/12/18 11:28:21 AM
#9:


A 5% discount is nice, especially considering how much I shop at target. But I don't like them tracking all my purchases. Might as well send my DNA off to a random corporation while I'm at it.
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Muffinz0rz
09/12/18 11:29:58 AM
#10:


NeoShadowhen posted...
A 5% discount is nice, especially considering how much I shop at target. But I don't like them tracking all my purchases. Might as well send my DNA off to a random corporation while I'm at it.

Unless you're paying with cash, they're still tracking you.
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VipaGTS
09/12/18 11:30:45 AM
#11:


Muffinz0rz posted...
VipaGTS posted...
The X Dawg posted...
VipaGTS posted...
No. 5% isnt a damn thing for most purchases. And its just a debit card.


Well next week if you sign up then get you a coupon for a $30 off $100 purchase.

Still not worth it. Youre better off opening a credit card at another store for that much. Youll save more and if youre responsible itll at least help your credit.

What store offers a credit card with more than 5% cash back?

Cash back on a bank card is better. how much are you buying at target that 5% off is worth it?
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Muffinz0rz
09/12/18 11:32:10 AM
#12:


VipaGTS posted...
Muffinz0rz posted...
VipaGTS posted...
The X Dawg posted...
VipaGTS posted...
No. 5% isnt a damn thing for most purchases. And its just a debit card.


Well next week if you sign up then get you a coupon for a $30 off $100 purchase.

Still not worth it. Youre better off opening a credit card at another store for that much. Youll save more and if youre responsible itll at least help your credit.

What store offers a credit card with more than 5% cash back?

Cash back on a bank card is better. how much are you buying at target that 5% off is worth it?

How is 2% better than 5%?
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VipaGTS
09/12/18 11:33:48 AM
#13:


Muffinz0rz posted...
VipaGTS posted...
Muffinz0rz posted...
VipaGTS posted...
The X Dawg posted...
VipaGTS posted...
No. 5% isnt a damn thing for most purchases. And its just a debit card.


Well next week if you sign up then get you a coupon for a $30 off $100 purchase.

Still not worth it. Youre better off opening a credit card at another store for that much. Youll save more and if youre responsible itll at least help your credit.

What store offers a credit card with more than 5% cash back?

Cash back on a bank card is better. how much are you buying at target that 5% off is worth it?

How is 2% better than 5%?

because 2-3% BACK is better than 5% off on 30 bucks worth of merchandise. i use my credit card for Gas and just pay it off immediately. I get 3% back everytime. that shit adds up. im not getting that much back or off with a Target card.
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LockeMonster
09/12/18 11:34:42 AM
#14:


VipaGTS posted...
The X Dawg posted...
VipaGTS posted...
No. 5% isnt a damn thing for most purchases. And its just a debit card.


Well next week if you sign up then get you a coupon for a $30 off $100 purchase.

Still not worth it. Youre better off opening a credit card at another store for that much. Youll save more and if youre responsible itll at least help your credit.

It is worth it compared to other store credit cards simply because this is the debit card he is talking about it and doesn't require a hard pull, just a soft one. The credit card is different.

And the only thing that gets tracked is Target purchases. Walmart tracks right off your regular credit card link.
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NeoShadowhen
09/12/18 11:35:19 AM
#15:


Muffinz0rz posted...
NeoShadowhen posted...
A 5% discount is nice, especially considering how much I shop at target. But I don't like them tracking all my purchases. Might as well send my DNA off to a random corporation while I'm at it.

Unless you're paying with cash, they're still tracking you.


Yup. And I bet they're almost at the point that they'll be tracking you even then.
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Muffinz0rz
09/12/18 11:41:01 AM
#16:


VipaGTS posted...
Muffinz0rz posted...
VipaGTS posted...
Muffinz0rz posted...
VipaGTS posted...
The X Dawg posted...
VipaGTS posted...
No. 5% isnt a damn thing for most purchases. And its just a debit card.


Well next week if you sign up then get you a coupon for a $30 off $100 purchase.

Still not worth it. Youre better off opening a credit card at another store for that much. Youll save more and if youre responsible itll at least help your credit.

What store offers a credit card with more than 5% cash back?

Cash back on a bank card is better. how much are you buying at target that 5% off is worth it?

How is 2% better than 5%?

because 2-3% BACK is better than 5% off on 30 bucks worth of merchandise. i use my credit card for Gas and just pay it off immediately. I get 3% back everytime. that shit adds up. im not getting that much back or off with a Target card.

I understand that, but 3% gas, 3% at the movies, and 3% on shit at target still isn't as much as 3% gas, 3% at the movies, and 5% on shit at target. You don't have to restrict yourself to one card.

Now granted it may or may not make sense depending on how far you are from a target, but for someone like me who gets groceries, DVDs, and other shit there, it would make sense. Getting a card isn't supposed to change your shopping habits, so I wouldn't bother getting a card if I go to target like once a year for a lamp or something.
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AlephZero
09/12/18 11:51:02 AM
#17:


why is everyone acting like you can only have one card

i have a red card for when i shop at target and a card that gives me cash back for all purchases for everything else
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Anarchy_Juiblex
09/12/18 11:54:12 AM
#18:


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Muffinz0rz
09/12/18 11:55:56 AM
#19:


Anarchy_Juiblex posted...
https://www.nbcnews.com/business/business-news/target-settles-2013-hacked-customer-data-breach-18-5-million-n764031

Honestly after the @Equifax breach, there's no reason to believe anybody's data is safe anymore.

EDIT: Wow, RIP @Equifax, he got banned??
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CapnMuffin
09/12/18 11:59:54 AM
#20:


I get 5% cash back on my CC at Target so no, I prefer the cash I can use anywhere over the equivalent discount at only Target.
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SK8T3R215
09/12/18 12:04:30 PM
#21:


VipaGTS posted...
Muffinz0rz posted...
VipaGTS posted...
Muffinz0rz posted...
VipaGTS posted...
The X Dawg posted...
VipaGTS posted...
No. 5% isnt a damn thing for most purchases. And its just a debit card.


Well next week if you sign up then get you a coupon for a $30 off $100 purchase.

Still not worth it. Youre better off opening a credit card at another store for that much. Youll save more and if youre responsible itll at least help your credit.

What store offers a credit card with more than 5% cash back?

Cash back on a bank card is better. how much are you buying at target that 5% off is worth it?

How is 2% better than 5%?

because 2-3% BACK is better than 5% off on 30 bucks worth of merchandise. i use my credit card for Gas and just pay it off immediately. I get 3% back everytime. that shit adds up. im not getting that much back or off with a Target card.


why would you do this
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VipaGTS
09/12/18 12:10:10 PM
#22:


Because it gives me money back.
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SK8T3R215
09/12/18 12:32:28 PM
#23:


VipaGTS posted...
Because it gives me money back.


Don't you have to wait for it to be on the monthly statement to receive the cash back? You're just depleting your cash by doing this.

Unless there is some card that just allows you to do this pre-statement.
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TheGoldenEel
09/12/18 12:33:32 PM
#24:


I always forget to make payments since I shop there infrequently so I save 5% then get hit with the $25 fee
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Tyranthraxus
09/12/18 12:35:28 PM
#25:


VipaGTS posted...
No. 5% isnt a damn thing for most purchases. And its just a debit card.

If you're buying things all the time from the same place it adds up. That's why I got the Amazon card. I also got the Microcenter card because it's 6 months 0 interest financing. I don't do any other loyalties.
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The X Dawg
09/12/18 1:43:41 PM
#26:


Well the way I see it, it is a debit card that I specifically would use at Target and no where else. No hard pull, no need to make payments.
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