![]() A better credit score makes you more creditworthy in the eyes of banks. If your credit needs to be repaired, you should do it as soon as possible. Since credit card companies know you will pay your balances and what you owe, when you have good credit, you might be able to get a better rate. ![]() This can be used as leverage in negotiations. Having said that, I've never had an issue using them.It is also a good idea to check your credit score. One thing I should point out is that there are a lot of limitations on the coupon so things like Nintendo and Lego are excluded. ![]() I always stock up on paper goods for the online order and then grab some food etc. I love that it is actually twice as good as they say and that you can get it somewhat fairly often. It is one of my favorite under the radar bonuses out there. I figured it was worth pointing out some of these tips in case anyone was interested in a smaller, but super easy win. Target RedCard Sign Up Bonus: ToP Thoughts This will cause issues and did last time for people that shared checking accounts. No, do not use the same checking account for more than one RedCard account. Can We Use The Same Checking Account As My Spouse? Can Two People From The Same Household Do This Deal? Yes, these are all considered separate products. ![]() What If I Have The Credit Card, Can I get This? You can get both the debit version, Reloadable and credit version, although it won't be worth the hard pull to get the credit card for most. You will need to activate the card and then call in to close it. I Never Activated My REDcard, Do I Still Need To Close It First? It is best to do it late at night, they give you less of a hassle. You will need to call in on the debit card to cancel. There is also a 90 day limit between applications. You will need to close your card and then wait 10+ days before applying. Yes you can, but you can not currently have your RedCard open. I am not sure at this point if you can load multiple coupons into the same Target Circle account or not now, assuming you and a spouse sign up at the same time etc. No, you can pay for the overage after the coupon is used in any way you like, including Target gift cards. Do I Need To Pay With My RedCard To Use The Coupon? All depends and sometimes they don't follow what the terms say on expiration date so look at your coupon closely. It can be good for 2-3 weeks if you do it towards the end of the promotion or up to 2 months if you do it early. Only people that signed up on the last day had an issue, don't wait! Call the number on the back of the card and they will ship you a new one. 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. You used to be able to double dip this offer for $80 off, once in store and once online.
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