There is no Target Credit Card concierge benefit. Cardholders with questions about their account can call 1 (800) 424-6888 for assistance, but the customer service representative won’t be able to perform the wide range of services provided by some credit card concierges.
A concierge acts like an on-demand personal assistant for cardholders, able to help with nearly anything, from travel and purchase assistance to directions and restaurant reservations. Although Target Credit Card does not offer concierge service, plenty of other credit cards do. If the benefit is important to you, some popular cards that have a concierge are Chase Sapphire Preferred® Card and The Platinum Card® from American Express.
It’s worth noting that potential cardholders do not get to choose which card they apply for. If they apply and get approved, the applicants will get either the Target Credit Card or the Target Mastercard, depending on their creditworthiness.… read full answer
The credit score that you need for the Target Credit Card is 640, at a minimum. That means at least fair credit is required for approval. Note that the Target Credit Card can only be used to make Target purchases, in-store and online.
When you apply for a Target Credit Card, your credit score is one of the major factors that the card’s issuer will consider. But it’s not the only factor. Your income, employment status, debts, and housing information matter, too. But your odds of approval are generally higher if you have a credit score above the 640 mark.… read full answer
Here are the Target Credit Card requirements for approval:
Minimum credit score: 640+ (at least fair credit)
Age requirement: 18 years old
Income requirement: Enough to afford monthly payments (wages, investments, etc.)
Citizenship: Must be a U.S. citizen with a valid Social Security Number
Bank account requirement: Must have a checking account at a bank in the U.S.
You can apply for the Target Credit Card online or in person at a local Target store. You may be approved instantly if your doesn’t require application additional review. Otherwise, it can take 7-10 business days to receive a decision.
If approved, you will also be able to make purchases right away. You will receive a temporary credit card to use until your actual card arrives.
Here’s what you should know about the Target Credit Card:
The Target Credit Card gives you a 5% discount at Target and Target.com. You’ll also get 30 extra days for returns and free two-day shipping on Target.com orders. The card also offers a $0 annual fee.
To cancel your Target Credit Card just call (800) 659-2396. Then, enter your account information and navigate through the menu until you are directed to a customer service representative. They’ll then be able to cancel your Target Credit Card. There is no way to cancel your account online.
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