The most straightforward way to make a Target Credit Card payment is online. Log in here and select "Pay Now." As long as you make your payment before 5 p.m. Central Standard Time, it will post the same day.
You can also make a payment by calling 800-659-2396. Follow the automated prompts or ask to speak with a Target guest services representative. Your payment will post to your account within two business days.
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.
Lastly, you can make a Target Credit Card payment by mail. Send your payment to: Target Card Services / P.O. Box 660170 / Dallas, TX 75266-0170.
Ways to Make a Target REDCard Bill Payment:
Online. Log in to your Target account on the website and click “Pay Now.”
Over the phone. Call 800-659-2396 and follow the prompts to make a payment.
In a Target store. Bring your billing statement to the Guest Service Counter.
By mail. Send a check and your payment coupon to: Target Card Services / P.O. Box 660170 / Dallas, TX 75266-0170.
Store credit cards can help build credit, if you use the card wisely. Store credit cards report your payment history to the credit bureaus the same as a regular consumer credit card. If you make timely payments for more than the minimum due, and stay within your credit limit, a store credit card can go a long way in building, or even rebuilding your credit.… read full answer
A store credit card is a card offered by a retailer. It’s not to be confused with a charge card, in that a store credit card does not require you to pay off the entire balance every month. Store credit cards are also known as closed-loop cards, which means it can be used only for purchases within the store, its website, or affiliated stores. Retailers may also offer open-loop, or co-branded store cards. They’re store cards, but they’re on a credit card network such as Visa and Mastercard, and can be used anywhere the network’s cards are accepted.
You can use a store credit card to help build credit because they’re generally easier to get. Most store credit cards require a minimum fair credit score to have a chance of being approved. The drawback is that you’ll likely start out with a higher interest rate and a lower credit limit than you would with a co-branded credit card. Co-branded store cards also come with stricter approval requirements.
Where you can run into trouble with a store credit card is the temptation to overspend. Your favorite retailer may bombard you with promotional offers, discounts and sales announcements. It’s pretty easy to make additional purchases in the store, or online, thinking your sales item purchases will make up the difference.
In the end, you’ll end up canceling out any discounts and burning up most of your credit limit. That doesn’t bode well for your utilization, which should be at less than 30% of your available credit. And then there’s the interest that will be tacked on if you have to carry a balance to the next month.
Speaking of interest, be wary of any 0% promotional offers, particularly for large purchases. Unlike a 0% APR you’ll find on some regular credit cards, store cards operate on deferred interest. If you don’t pay off the balance by the end of the promotional period, you’ll be charged all the interest accrued on the original purchase price.
The Target Credit Card, also known as the Target REDcard, can be used to make Target purchases in-store and online. But it can’t be used at other stores. On the other hand, the Target Visa credit card can be used anywhere Visa is accepted. But you can’t apply for that version anymore.… read full answer
The Target Credit Card credit score requirement is 640 or better. That means you’ll need a “fair” credit score. The Target Credit Card is a store card, and just about all store credit cards require fair credit. But because it’s a store credit card, it can only be used to make Target purchases, in-store and online.… read full answer
When you apply for a Target credit card, your credit score is one of the major factors that TD Bank (the card’s issuer) will consider. But it’s not the only factor. Your income, employment status, debts and housing information matter, too. But generally speaking, the higher above 640 your score is, the better your odds of approval are.
Target Credit Card: Credit Score Needed & Other Requirements
Minimum credit score: 640 (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 SSN
Bank account requirement: Must have a checking account at a bank in the U.S.
You can apply for the Target REDcard online, by mail, or in person at a local Target store. When you apply online, you may be approved instantly, or your application may require additional review. A decision on a pending application can take 7-10 business days.
If approved, you will receive a minimum starting credit limit of $250. You will also be able to make purchases the same day you’re approved. You get temporary card information to use until your actual card arrives.
The Target credit card gives you a 5% discount on Target and Target.com purchases. You’ll also get 30 extra days for returns and free two-day shipping on Target.com orders. There’s no annual fee.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.