Another customer gone...but you won't care.

Next time you are in a situation like this, split up the items
yourself. Take half of your shopping cart and have it rung up on your
Target card. When that transaction is complete, take the rest of your
items and have them rung up on you Visa card. At worst, this will
slightly annoy the customer behind you (because they would have to
wait for two separate transactions), but otherwise the purchase should
be foolproof.

You're right; they won't care. Most companies don't.

However, you have to realize that they DID attempt to do as you
requested.

You mention they couldn't credit your credit card instantly. Something
in this does not make sense. You had half of it charged to your Target
card. But, then you wanted it all charged to your Visa card. Your Visa
balance has no bearing on your Target card. So, it does not seem to be
the problem being with the transaction; but, rather your Visa did not
have enough credit, either. Even if they could instantly credit the
Target card, your Visa still has to be able to handle it.

Now, as far as doing half and half, most cashiers have no clue. All
they should have to do is run the amount through. Then, they will
(should) have a balance due. Then, they should be able to process a
second card. It should be that simple. Most cashiers are not trained
to deal with that situation. I have to train them how to do two
checks. The register will do whatever you tell it to do. It isn't a
huge deal. Altho; it may be possible that they are not programmed to
handle dual credit cards. I havent worked registers in a long time;
so, I dont know for sure. However, I have a feeling, it's just a
matter of learning how to do it.

Target doesn't support our military.
so just tear up the card and go to Walmart

I dont understand the problem here. Basically you are blaming Target
because you havent paid your bill.

Here is the easy way to go about taking responsibility for your own
problems and straightening them out.

A.) PAY OFF YOUR TARGET CARD

B.) NEVER BUY SOMETHING YOU DONT HAVE THE MONEY FOR

See?! EASY!

I don't know why the system won't allow 2 credit cards for the same
purchase, but it won't.

Have you tried upgrading to the Target Visa? It has a higher credit
limit, a lower interest rate, and can get you another 10% off a full
day of shopping.

What time of day were you there? If you were there after 2pm, then it
would take up to 24 hours to credit your card. If you were there
before 2pm it could take just a few minutes.

Just wanted to let you know that most stores don't actually own their
credit companies. I don't know if that's the case with Target or not.
But like I said, most stores pay a third party to actually run the
card part. The only reason they offer them is to get you to spend
more at their store rather than somewhere else.

Also, SprawlMart is the devil. I guarantee that you find a different
retailer than them. Shopping at SprawlMart is like selling your soul
for cheap detergent. Its just not worth it. Just think of the poor
employees that have to work for that awful company.

I don't use credit cards--I would get a credit card if I were making a
major purchase, like a digital camera or something like that.
Otherwise, I use my debit card. No interest charges, and you can't
spend money you don't have.

But what I really wanted to say is this: People charge $200 million
PER WEEK at Target on their TARGET CARDS ALONE. Insane. Now, I'm not
a fan of mass marketing, national chains, disposable goods (I even go
camping with real plates, cups, and silverware, because I don't want
to throw things away).

But Target seems to be a good employer--better than Wal-Mart
(inarguably), and better than most national chains. (Costco seems to
be among the BEST at pay and benefits, and thus has the lowest
turnover in the industry.)

So... that should give you an idea that Target won't care you're not
using their card ($200M a week! That's just insane to me!), but you
should do whatever you need to to save your sanity.

I think it's ridiculous that your card can be charged immediately but
it would take 24 hours to credit it. Seems unnecessary to me.

Forget the target card. Get yourself a 0% interest card. Some of
them are good for a year. You can even pay off other balances with it
but just get one that has no fee for balance transfers. Those Dept
store credit cards are a rip off. Try citibank online and look
around. I believe some may even be posted on debtsmart.com (I think
thats the link). If your visa has high interest phone them and tell
them to lower your interest rate. If they don't then go elsewhere. If
you mention you might go elsewhere they might lower it right on the
spot. If they don't, no problem. Many other fish in the sea so to
speak for credit cards. Their loss.

Part of why I'm upset is because I could not split a purchase between
two cards. Partly I'm upset because of Target's policies regarding
credit line increases. They don't make sense. And partly I'm upset
by the apathetic attitudes of Target's managers towards
inconveniencing customers. It's not any single thing, but a
collective of incidents over a two-year period that has ultimately led
me to believe that my money would best be spent elsewhere.

Store cards usually carry a higher interest rate anyway, in my
experience. I agree that they should have let you split it between 2
cards - when I worked as a retail manager, we were able to do that
with no problem. But frankly, unless you were planning on paying the
card in full the following month, considering the typically higher
interest on store cards, you're probably better off with it on your
Visa.

I understand your dilemma. And thanks for the heads up. I wont be
getting a Target card. My credit is excellent and I dont need a store
screwing it up for me. However, I do like their store currently but I
just won't get their card without a magnificent incentive. Then I
might only use it for that. Then cut it up. I didn't think closing a
credit card account lowered your Fico score though, thought it helped.
Interesting tidbit.

You're still going to use the card "two times per year"...oooooh,
that'll show them! If you really dislike the card so much, cut it up
completely! Besides, even if you stop using the card, you'll
obviously still be shopping at Target, they'll still be getting your
business!

I don't get people who think just because they pay on time, they're
entitled to all sorts of credit increases. I had a store charge card
years ago, paid it in full every month, and it never went above a $500
limit (I had it for 5 years, charged about $100/month, paid in full
and on time). That's just the way it goes.

Why don't you try paying extra on your Visa? Assuming it's a charge
card, and not a debit, you have a better chance of getting a credit
line increase on that than on a store card.