What bank issues the Target Credit Card?

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.

The Target Credit Card phone number for customer service is (800) 424-6888. By calling this number, you can either talk to a live representative or use the automated phone system to hear your balance information, make a payment, review your transaction history and more.

How to Talk to Target Credit Card Customer Service Over the Phone… read full answer

1. Call customer service at (800) 424-6888 or the number you see on the back of your card.
2. When prompted, give your 16 digit card number or your Account ID. Listen to the menu options to use the automated system or press “0” to speak to a live representative.
3. Alternatively, press “#” the first three times the automated system asks you to verify your identity. When prompted, press “0” to speak directly to a live representative.

If you can’t or don’t want to talk to the Target Credit Card customer service over the phone, you can always connect with customer service online by sending a secure message.

You can also check the Target Credit Card FAQ page to see if there’s already a solution to your credit card issue.

To dispute a Target Credit Card charge, you must inform TD Bank of the dispute in writing. You may call customer service about the dispute at 1 (800) 424-6888, though they are not obligated to investigate unless you give a written notice. The address to dispute a charge by mail is:

Target Credit Services… read full answer
P.O. Box 1581 Minneapolis,
MN 55440-1581

Target Credit Card disputes are typically resolved within 90 days, though more complex issues may take a little longer. TD Bank does not allow you to dispute a charge online.

Once you’ve initiated the dispute, TD Bank will then contact the merchant and review any information provided by both parties. You won’t be charged for the disputed transaction, nor any associated fees or interest, while the dispute is under investigation. And you can still use your Target Credit Card as you normally would while a dispute is ongoing.

TD Bank will notify you of the outcome of the dispute after they’ve completed their investigation. They will either issue a chargeback to your account for the contested amount, or allow the charge to stand. If the disputed charge is ruled to be valid, you would then have to pay that amount, including any applicable fees and interest charges that accrued during the dispute, starting from the original purchase date.