The main Target Credit Card requirements are that an applicant must be at least 18 years old with a valid Social Security number. Applicants must also have a physical U.S. address, enough income to make monthly minimum payments, and at least fair credit.
Target Credit Card Requirements
At least 18 years old
Physical U.S. address (no P.O. boxes)
Proof of enough income to make the monthly minimum payment
Social Security number
Fair credit or better
Checking or savings account
If you apply for the Target Credit Card, it’s important that you enter all required information completely and accurately. Knowingly reporting false or misleading information on a credit card application is a federal crime.
You can check your Target Credit Card application status by calling (800) 424-6888. You’ll need to hang on the line until they ask for your account number multiple times. You will then be able to press “0” to get to a live customer service representative. At the moment, you cannot check your application status online.
Note that it may take up to 10 days to get a decision on your application. Once approved, you'll get your Target Credit Card...
You need fair credit or better to get approved for a Target Credit Card. For the best odds of being approved, it's recommended that you only apply for a Target Credit Card if your credit score is 640 or higher and you have enough income to afford monthly bill payments.
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...
A good annual income for a credit card is more than $39,000 for a single individual or $63,000 for a household. Anything lower than that is below the median yearly earnings for Americans. However, there’s no official minimum income amount required for credit card approval in general. It varies by credit card company and from individual card to card.
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