![]() What If My Coupon Is Missing?Ī few people didn't get their coupon last time. You will then need to scan it to load it into your Target Circle app and then it can be used once online, or in store, through your app. The coupon comes in the mail with your RedCard. I wanted to put together some common questions we saw last go around so that we aren't answering the same questions over and over and so that everyone is on the same page: When & How Does The Coupon Come? Once you get past those two hurdles you should be good to go. The other restriction is it has to be 90 days or more since you last signed up for one. You will also need to wait 10-15 days after closure to reapply. You can not get the debit RedCard while currently holding one, you need to have closed your old card. There are a few restrictions you need to be aware of though. The last thing I wanted to point out with this offer is that you can get it more than once. I will probably still do it from time to time to grab some free stuff, since it only requires a cancellation call and a few clicks after that. That may make this offer not worth chasing for some, especially with the long list of restrictions for the coupon. But with the new set up, where you scan the coupon into your Target Circle app, it is no longer possible to double dip it. Yes, this card has a fairly crazy APR (22.90 percent), so anybody who is even thinking of using it to pay off a 60” LED TV over 12 months should get a financial intervention.īut, if you spend a lot at Target like we do, the Red Card might make sense.You used to be able to double dip this offer for $80 off, once in store and once online. So there’s little reason not to get this card and take advantage of the savings it offers. Today, my spending is in check and I’m in the habit of paying off credit card balances in full each month. I was high on credit and hungry for more. I would have maxed that baby out faster than bunnies make babies. Related: How to Use a Credit Card ResponsiblyĬase-in-point: Ten years ago, I should never have applied for a new credit card. But the truth is, what’s right for me might not be right for you. The talking heads on TV love to preach, “all debt is evil” and “you can’t afford it”. Unfortunately, so much mainstream financial advice is one-size-fits-all. Everybody has different financial goals and priorities (and that’s a good thing!) It’s easy to open one at every store, cluttering our credit history and dragging down our credit score.īeware one size fits all financial adviceīut just because some of these products are crappy and some people abuse them doesn’t mean they’re always a bad idea for everybody. We buy $500 of clothes and make payments for a year…at 29 percent interest. ![]() Often times we get them when we’re young and financially inexperienced. That was ingrained.Īnd it’s true that these store credit card accounts can be traps. The five percent off from the Red Card can be stacked on top of your pharmacy rewards for extra savings.Įvery time I was offered this card at the checkout, I thought about how the savings would add up, but I always said no because, as a financial blogger, store credit cards are just “evil”. If you fill your prescriptions at Target, you’ll get an additional five percent off for one day of shopping for every two prescriptions you fill. ![]() ![]() It also qualifies you for free shipping from and extends your return period for an extra 30 days. So if we spend an average of $500 a month at Target, five percent off is $300 a year. Diapers, clothes, cat food, toiletries, even some groceries. For convenience, if we can buy something there, we typically do. (All the time not just the day you open it, like a lot of store credit cards.)Ĭompared to cash rewards credit cards that pay one percent, maybe two percent back and up to five percent back on a limited number of items, that’s a pretty good discount.Īnd my wife and I do a lot of damage at Target. If you’re not familiar with Target and their card, the Target “Red Card” gives you five percent back on everything you buy.
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