How can I activate my Target REDcard?

The most straightforward way to make a payment on your Target Credit Card is either online or by phone at (800) 659-2396. Alternatively, you can make a payment in a Target store, or by mail.

Here’s how you can pay your Target Credit Card:

• Online. Log in to your Target account on the website and click “Pay Now.”… read full answer
• Over the phone. Call (800) 659-2396 and follow the prompts to make a payment, or ask to speak with a Target guest services representative.
• In a Target store. You can pay your credit card in person at any Target store, too. Visit the Guest Service Counter, and have your billing statement or Target Credit Card ready, so the attendant can look up your account number.
• By mail. If you prefer to pay your Target Credit Card by mail, send a check and your payment coupon to:

  Target Card Services

  P.O. Box 660170

  Dallas, TX 75266-0170

The best store credit cards to build credit with are the Amazon.com Store Card (5% back on Amazon.com with a Prime membership) and the Target Credit Card (5% discount at Target and Target.com). Both require just fair credit for approval. And like all major store credit cards, they report to the three major credit bureaus every month. That will help you build credit history. But keep in mind that store cards can only be used at the retailer they're affiliated with.… read full answer

Best Store Credit Cards to Build Credit With

• Best for bad credit: Fingerhut Credit Account
• Best for shopping online: Amazon.com Store Card
• Best department store card: Target Credit Card
• Best for clothing: Express Credit Card
• Best for office supplies: Staples® Credit Card
• Best for home maintenance: Lowe's Store Card
• Best for gas stations: Shell Gas Card

You need at least a fair credit score to be approved for most store credit cards. If you have bad or limited credit, your options are slim. In fact, the only real "store card" for limited or bad credit is the Fingerhut Credit Account, which you can only use at the online retailer Fingerhut. As a result, you might be better off expanding your search beyond store credit cards to include secured credit cards and general-purpose credit cards for people with limited or bad credit. Then when you reach fair credit, you can accelerate your credit building and maximize your savings with a store credit card from your favorite retailer.

It's also worth noting that some of the best store credit cards to build credit with have "deferred interest." Don't confuse this with a normal 0% offer, where you only owe interest on the balance remaining after your intro periods ends. With deferred interest, you must pay off your entire balance by the end of the promotional period. If you don't, you owe interest at the card's regular APR from the date of purchase instead.

Yes, you can buy gift cards with a Target Credit Card along with anything else Target sells online or in-store. You just can’t use your Target Credit Card to make purchases outside of Target.

Just keep in mind that the Target Credit Card’s 5% discount offered online and in-store does not apply to Target gift cards, prepaid cards, Game On, Gift of College and lottery gift cards. Also, gift cards cannot be used to apply payments towards a Target Credit Card. Nor can you use a Target gift card to buy another gift card.… read full answer