Minimum Credit Score Needed 
Fair
Target Credit Card
By:
TD Bank
Info about the Target Credit Card has been collected by WalletHub to help consumers better compare credit cards. The financial institution did not provide the details.
Editor’s Take
John Kiernan, Credit Card Editor
Mar 25, 2020
Review: Target Credit Card
The Target REDcard is a must-have for Target regulars and one of the best store credit cards on the market. Its generous rewards will save you a bundle on every Target purchase. There are no fees to worry about. And it’s available to everyone but folks with bad credit or very little credit experience.
Here’s the full scoop:
Here’s the full scoop:
- Save 5% on most Target purchases. The Target Store Credit Card, also known as the REDcard, gives cardholders an indefinite 5% off sale on pretty much everything except pharmacy purchases, gift cards, wireless protection plans and a few other items. That’s a great deal, with the potential to save you hundreds of dollars per year, if Target is one of your favorite stores.
- Don’t worry about yearly fees. The Target REDcard doesn’t charge an annual fee, which always makes it easier to justify opening a credit card just for purchases at a single store. This also saves you $19.46 compared to the average credit card, according to WalletHub’s latest Credit Card Landscape Report.
- Enjoy 30 extra days for returns. Simply having a Target Credit Card gives 30 you extra days to return purchases for a refund, on top of each item’s standard return window. That extra time could be a life-saver for someone with a busy schedule.
- Get free shipping from Target.com. The Target REDcard makes it easier to shop online, thanks to the free standard shipping it gives you on all Target.com orders. So as long as you don’t need something at the last minute, you won’t have to pay extra for doing your shopping from home with a Target Card.
- Qualify with even “fair” credit. You only need “fair” credit to qualify for the Target RED Credit Card, which means it’s possible to get approved with a credit score of just 620. You can see if you’re in the ballpark by checking your credit score for free on WalletHub.
Mar 25, 2020
Target Credit Card's Rewards
- Save 5% at Target & Target.com each day.
- Save 5% when you use your REDcard at any in-store Starbucks location, Target Subscriptions, Specialty gift cards, Top deals, Clearance, Shipt and Drive Up service.
- Free 2-day shipping on hundreds of thousands of items at Target.com. Some market exclusions apply.
- Extended returns for 30 extra days at Target or Target.com.
- Exclusive extras, including special items, offers & 10% off coupon on your REDcard anniversary.
Target Credit Card's Key APRs & Fees
|
Purchase Intro APR
|
Transfer Intro APR
|
Regular APR
|
|---|---|---|
| Not Offered | Balance Transfers Not Allowed | 24.4% (V) |
|
Purchase Intro APR
|
Not Offered |
|---|---|
|
Transfer Intro APR
|
Balance Transfers Not Allowed |
|
Regular APR
|
24.4% (V) |
| ANNUAL FEE |
$0 |
|---|
Target Credit Card's Additional Info
| MAX LATE FEE |
$40 |
|---|---|
| MAX OVERLIMIT FEE |
None |
| MAX PENALTY APR |
None |
| GRACE PERIOD |
25 days |
| ONLINE RESPONSE |
No |
| CASH ADVANCE APR |
N/A |
| CASH ADVANCE FEE |
N/A |
| FOREIGN TRANSACTION FEE |
N/A |
| SMART CHIP |
Yes, chip-and-PIN |
- Access your Target Credit Card - check your credit card account balance, make a payment, and review past statements.
at TD Bank's secure site
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Customer Questions and Answers
Don't see what you're looking for? Submit your question about Target Credit Card to our community.
What is the Target credit card credit score requirement? Reply 65
Store Card Sarah
@StoreCardSarah
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.
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.
6
Upvotes
Where can I check my Target Credit Card balance? Reply 6139
WalletHub
@WalletHub
The easiest way to check your Target Credit Card balance is to enroll in online banking here.
You can also call Target's customer service at: 888.755.5856 . Hope this helps.
show more…
You can also call Target's customer service at: 888.755.5856 . Hope this helps.
61
Upvotes
Can I buy groceries with my card? Reply 5230
WalletHub
@WalletHub
Yes, you can buy groceries with your Target Credit Card. You can use it to buy anything they sell at Target or at target.com . Best of luck!
52
Upvotes
Can you use a Target credit card anywhere? Reply 4931
WalletHub
@WalletHub
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.
49
Upvotes
How can I get a Target Credit Card credit limit increase? Reply 4733
WalletHub
@WalletHub
Your best bet to get a Target credit card credit limit increase would be to call customer service at 888.755.5856 and ask if you are eligible for a credit line increase.
You can get some really useful tips about making your case here.
47
Upvotes
What do I need to get a Target credit card? Reply 3121
WalletHub
@WalletHub
You need at least fair credit to get a Target credit card, for starters. If you don’t know where your credit stands, you can check it for free on WalletHub. You must also be at least 18 years old and have a U.S. address.
31
Upvotes
What's the phone number to contact customer service? Reply 128
WalletHub
@WalletHub
You can call Target’s customer service at 1-888-755-5856. Good luck.
12
Upvotes
How many days does it take to get approved for a card? Reply 128
WalletHub
@WalletHub
Once the bank receives your application, you should expect a decision via mail within 7-10 business days after the application was submitted.
12
Upvotes
Can you use a Target Visa gift card anywhere? Reply 95
WalletHub
@WalletHub
Yes, a Visa gift card purchased at Target can be used anywhere in the U.S. that takes Visa.
9
Upvotes
How would I know if I was approved for my Target Credit Card? Reply 8
Susan Romero
@susansssss6
To check on the status of your Target Credit Card application, call 800-424-6888.
It may take up to 10 days to get a decision on your application. Once approved, you'll get your card, agreement and any welcome materials in the mail within seven to 10 business days.
8
Upvotes
Target Credit Card Video Review
Target Credit Card Reviews
Share your insights and review the Target Credit Card.
Apr 06, 2020
Does target not give CLI's?!?!I opened my account in June 2019,I made all my payments on time and in full,yet I'm still stuck at the same measly $300 credit limit and there is nowhere online on the account page to request a CLI. Ridiculous!!!
Comment
Mar 19, 2020
Horrible never got the red card... charging me late fees.. they do not care about you ! Worse credit card I’ve ever applied for! It’s ridiculous. I hope you never apply this card because it would ruin your credit baddddd
Mar 02, 2020
Asked for too much verification of my identity like a copy of my Social Security card and a copy of a utility bill faxed to them. Too much leg work for a card and they don't even tell you they need this extra stuff till after you apply so you have this hard pull on your credit and don't get approved for a card until you fully verify your identity by giving them info that can be used by anyone who has access to that info by fax that can be used to steal your identity. I have a Best buy visa, a Citi double cash and PayPal MasterCard with 2 percent cashback on the ladder two rewards card. I never had to do that extra leg work before and I have a FICO score in the 750s. Hard pass on this card.… show more
Feb 19, 2020
Closing my account with them soon. I make a payment days before it’s due and they still charge me late fees. They’ve even charged me double late fees, even after making a payment ($76 in fees). I’ve called and complained and they tell me there’s nothing they can do about it. I’ve paid Ofer $150 in late fees, in the last few months, when my payments are clearly being made. Paid my card off and will be closing the account soon. Awful customer service.… show more
Feb 15, 2020
Online management is terrible. I set up an auto payment and they couldn’t find the account. So I was charged $30 for the Payment return. When I went online to check out what went wrong I couldn’t find the account It have been deleted!!!!! They have no back up they can’t proved any information !!!! I end up paying 30$ when didn’t know what happened. I have been a customer for 3 years with no issues ever. They refused and did not care at all. Don't let the 5% trick you, their stuff is already marked up. Very very disappointed… show more
Feb 15, 2020
Credit karma reported me as 30 days past due and charged $69 in fees when I never missed a payment. I've gone to the store and they can not help me. It also shows over the limit by $79which can't be possible either because I had $100 available credit
Feb 06, 2020
I had this card since 1997. I had a dispute with a merchant and their policy to dispute my charge was beyond ridiculous. I can't believe they would treat a customer of so many years like they need prove the charge should be disputed in such a manner. All the years I have held the card this was my first dispute and the last one. I closed my account and will never use them again.
Jan 31, 2020
I had this card for several years without problems. Suddenly in the last few months all hell broke loose. My account was locked, my passwords didn't work, my payments were rejected. Finally, I got so frustrated with this company that I told them to close the account. I also don't need or want these problems, like another reviewer said. The representative said I had paid my whole balance. Then two months later I got a letter in the mail stating I was past due. I called the 800 number and it took me almost twenty minutes. Just to pay a bill, you have to provide a checking account and routing number. Debit cards are not offered by phone. These people don't communicate, they don't care and they are the worst I've ever dealt with. I have accounts with several other banks and have no issues. I also am just not going to bother going to the store anymore. There are other options, clearly the quality I thought that was there, is not. Goodbye Target!… show more
Dec 31, 2019
Verified Customer
I have had my Target RedCard for 7 months now. I have NEVER missed a payment with them. I have also NEVER had a payment returned to them for any reason. I ALWAYS pay my balance down to 20% EVERY MONTH. I paid it this December 17th, and the payment cleared my bank on December 18th. They REFUSE to post it to my available credit. It is not like I need it, or at this point would use it. However, there is NO REASON that they should be holding my payment hostage. My e-mails to them and phone calls have all gone with BS excuses. Now they want me to call my bank on a conference call with them. This is ridiculous to say the least. I will be paying off this card this month, and never using it again.… show more
Nov 15, 2019
Verified Customer
I was charged by Target for a return payment fee ($28.00) and called into Target Customer Service who said the payment was withdrawn from an old bank account. I let them know that the account it was withdrawn from had been closed almost a year and I had made subsequent payments on my Target credit card multiple times from the correct/active bank account. They could not tell me why the payment was drawn from my old bank account. The Supervisor I spoke with asked that I log into my account to delete the old bank account - when I logged in and told her it was already removed, she told me that they had removed it already for me. I asked how I could be refunded the return payment fee and she said that it could only be removed if it was a processing error on their end. They were not able to tell me why this didn't constitute as a processing error or why it had been withdrawn from an old account. Since they were not able to refund the return payment fee, I elected to cancel my credit card immediately.… show more
Sep 06, 2019
I was really excited about the Target Red Card when I first signed up. I liked the idea of getting a high value coupon and 5% back on my purchases. When I first signed up at the desk, I used a check from a joint account with my mom that I didn't realize she had closed. Although the account was closed, they apparently didn't have any way to check that right away and went ahead and let me make purchases. I made 4 purchases right away, needing 4 receipts for different reasons. I soon got a bill in the mail with penalty fees for each of the 4 purchases, doubling the amount I had spent in the store. They would only waive the fees one transaction, even though all purchases were made on the same day immediately after signing up for the card. Up until now, I have been a frequent shopper at Target but I plan on spending my money elsewhere.… show more
11/12/19
That is your fault! You have responsibility to read to understand the do and don't of any credit card! Also your fault for not maintaining a checking account that is in your name! They should of got you for Fraud!
May 30, 2019
I had target credit card since for 5 year. My available limit went from $500 to $9k. I had payment returned because their website defaulted to the wrong bank account on my profile. They did not want to take responsibility for it and would not credit me $30 payment return fee that I was charged. Any company I know offers courtesy fee removal at least once a year. Target will not do it even once in 5 years! I will be looking for more friendly credit card now.… show more
Mar 25, 2019
I’ve had my card since 2015 with a $300 cL but with consistent use I’m at $2600.00 now.. As Walmart lowered my limit when I got into a financial jam in 2017, I paid all my cards off in 2018 and noticed Target was the only card that didn’t lower my CL or give me any trouble at all! I grocery shop with it and buy electronics as I need them... Great card to have for household needs!… show more
Feb 16, 2019
They neglected to send a statement in Nov and Dec 2018, I finally figured something was wrong when the card was declined. I immediately paid the amount in full, but not before they reported the account delinquent and took 80 points off my credit score. Apparently, they changed their system in Sep 2018 and this is a common complain on other forums.
Feb 15, 2019
DO **NOT** Get the TARGET RedCard!
Target "National Bank" is a cancer on the Target brand name and needs to be abolished. It's much more harsh, impersonal, inflexible, and conservative than any of the huge national bank conglomerates. They don't care about their customers and are all about making a buck off your back.
(1) Target "pushes" this credit card through it's employees at point-of-sale and they resent being harassessed for not "selling" enough cards. Check the online blogs including at 'ihatetarget.com'.
(2) Customers are being pushed into applying for this card at point-of-sale and tempted with immediate 'savings' on their purchase. Standing at a cash register with people lined up behind you is not the time to be deciding if you want to apply for a credit card and the implications of that!!
(3) I applied at the register for my 5% savings but the application would not allow me to list my (correct) PO Box since I travel for business and don't want my mail sitting curbside for days. I had to list my street address (which only gets junk mail.) My first mistake, I admit. I should not even have applied but they put me on the spot.
(4) My bill got mixed in with other mail and I missed making my payment. Yes, my mistake, but an honest mistake. As soon as I became aware of it, I paid the amount in full, not just the minimum due.
(5) Due to the honest misunderstanding, I asked to have late charges and/or interest credited to my account as a one-time courtesy, since I don't make a habit of being an irresponsible borrower. They refused. They reported me 30-days late on my payment to credit bureau.
(6) I used the card more over a period of a couple of years to show I was responsible.
(7) After a few years, I asked them to give me a good faith removal of that 30-day late payment. They refused. I asked again after several months, by elevating to a higher level (VP). They refused. *Note: Statistics show the majority of customers who ask for a reversal of late charges, interest, or dropping of late payment reports succeed, especially on the first offense. Most stores know people are human, they sometimes make mistakes, and they shouldn't be beat over the head for a late payment for the SEVEN YEARS it takes to fall off their credit reports. Not Target. They will take every opportunity to make every penny they can off every customer from interest and fees to make up for that 5% they pay out. Not good for business or for customer relations, but they don't care about you. It's all about the almighty dollar with them.
(8) I proceeded to boycott Target fpr several years. They threatened to close my card from disuse and finally closed it.
I'm coming up on the end of my seven-year late payment sentence. It really doesn't affect my credit much at this point, but it annoys me that they continue to hold it over me. They lost a long-time customer for life over their foolish "REDCARD" program.… show more
Target "National Bank" is a cancer on the Target brand name and needs to be abolished. It's much more harsh, impersonal, inflexible, and conservative than any of the huge national bank conglomerates. They don't care about their customers and are all about making a buck off your back.
(1) Target "pushes" this credit card through it's employees at point-of-sale and they resent being harassessed for not "selling" enough cards. Check the online blogs including at 'ihatetarget.com'.
(2) Customers are being pushed into applying for this card at point-of-sale and tempted with immediate 'savings' on their purchase. Standing at a cash register with people lined up behind you is not the time to be deciding if you want to apply for a credit card and the implications of that!!
(3) I applied at the register for my 5% savings but the application would not allow me to list my (correct) PO Box since I travel for business and don't want my mail sitting curbside for days. I had to list my street address (which only gets junk mail.) My first mistake, I admit. I should not even have applied but they put me on the spot.
(4) My bill got mixed in with other mail and I missed making my payment. Yes, my mistake, but an honest mistake. As soon as I became aware of it, I paid the amount in full, not just the minimum due.
(5) Due to the honest misunderstanding, I asked to have late charges and/or interest credited to my account as a one-time courtesy, since I don't make a habit of being an irresponsible borrower. They refused. They reported me 30-days late on my payment to credit bureau.
(6) I used the card more over a period of a couple of years to show I was responsible.
(7) After a few years, I asked them to give me a good faith removal of that 30-day late payment. They refused. I asked again after several months, by elevating to a higher level (VP). They refused. *Note: Statistics show the majority of customers who ask for a reversal of late charges, interest, or dropping of late payment reports succeed, especially on the first offense. Most stores know people are human, they sometimes make mistakes, and they shouldn't be beat over the head for a late payment for the SEVEN YEARS it takes to fall off their credit reports. Not Target. They will take every opportunity to make every penny they can off every customer from interest and fees to make up for that 5% they pay out. Not good for business or for customer relations, but they don't care about you. It's all about the almighty dollar with them.
(8) I proceeded to boycott Target fpr several years. They threatened to close my card from disuse and finally closed it.
I'm coming up on the end of my seven-year late payment sentence. It really doesn't affect my credit much at this point, but it annoys me that they continue to hold it over me. They lost a long-time customer for life over their foolish "REDCARD" program.… show more
Feb 06, 2019
They accepted my online application for Target credit card. After waiting nearly 3 weeks to recieve credit card In mail and register card online Suprise!, I can't use card or register it. After calling customer support, they said they needed more verification and I would have to fax them the front and back of my ID and social security card, plus utility or bank statement. After a long hassle they wouldn't accept my bank statement. Customer support is horrible and useless. Stay far away from Target credit card!… show more
Nov 10, 2018
They do not care about the customers and are unwilling to work with you. I had a situation that I would have liked for someone to at least show concern and look at the details. They did not and unfortunately, I had decided to close my account.
Aug 30, 2018
Have had no problems, they upped my limit from $2500 to $9000, who spends 9 grand at Target? My top balance was probably only $50. xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx
Aug 24, 2018
Credit Line Increases and MasterCard Conversion
Target does NOT issue a MasterCard as an initial credit card. I've been mining my REDcard in hopes of having it converted to a MasterCard. I use it every week for simple needed purchases; groceries, toiletries, household items, etc., usually $10 - $30. I make purchases in-store, online for store pick-up, and online for home delivery (for moderate purchases that qualify for FREE shipping). I payoff my transactions online or in-store as soon as they post.
Thirteen months fresh out of a BK7 I applied for a REDcard and was approved with an $800 credit line. At four months I received a credit line increase (CLI) to $1,400, at nine months a CLI to $2,700, and at 11 months a CLI to $9,000!
One week after my 11 month CLI and statement cycle I received the letter I was hoping for. Target is converting my store REDcard to a MasterCard! From day one for 11 months I've been grooming this account in hopes of conversion, it will convert at 12 months of billing.
In addition to the already instant savings of 5% on every purchase, the REDcard MasterCard is now offering 2% Rewards on gas, dining, and travel purchases as well as 1% on everything else. Rewards are issued annually in the form of a Target store gift card.
FICO scores at conversion avg. 670, income $94K… show more
Target does NOT issue a MasterCard as an initial credit card. I've been mining my REDcard in hopes of having it converted to a MasterCard. I use it every week for simple needed purchases; groceries, toiletries, household items, etc., usually $10 - $30. I make purchases in-store, online for store pick-up, and online for home delivery (for moderate purchases that qualify for FREE shipping). I payoff my transactions online or in-store as soon as they post.
Thirteen months fresh out of a BK7 I applied for a REDcard and was approved with an $800 credit line. At four months I received a credit line increase (CLI) to $1,400, at nine months a CLI to $2,700, and at 11 months a CLI to $9,000!
One week after my 11 month CLI and statement cycle I received the letter I was hoping for. Target is converting my store REDcard to a MasterCard! From day one for 11 months I've been grooming this account in hopes of conversion, it will convert at 12 months of billing.
In addition to the already instant savings of 5% on every purchase, the REDcard MasterCard is now offering 2% Rewards on gas, dining, and travel purchases as well as 1% on everything else. Rewards are issued annually in the form of a Target store gift card.
FICO scores at conversion avg. 670, income $94K… show more
Jul 13, 2018
OK so each month I pay my balance due in full, but then at the end of the billing cycle they charge interest on the amount you totaled that cycle, regardless of if you paid it off or not. So I have been charged a fee and taken a hit to my credit score because after paying for the TOTAL AMOUNT due, I get a $1 interest fee, and they don't tell you that, so you unknowingly get a late payment fine on your little dollar balance and now you owe $25. It's happened to me twice now. I'm not sure how they come up with the amount but I wish I could make one payment and trust that I won't get hidden charges. I'm really over it.… show more
Jun 20, 2018
Up until now, I'd probably have given this card 4 stars. It does provide good discounts at Target. However, after being a longtime loyal customer, I had a payment issue - my bank account had to be closed and a return payment fee was assessed. After 2 hours of being transferred around, on hold and given varying information, I closed the account out of frustration. Other credit card companies are more accommodating, so I'm done with this one. They don't seem to care about keeping customers.… show more
02/06/19
@tarachristopher14 this is a review, you're suppose to share your complaints. Take yourself elsewhere
08/24/18
If you were on the phone that log, its sounds as though they were trying to get you to someone to resolve the issue. You appear to be impatient, wanting instant results. Closing a trade line out of frustration because someone is attempting to help you...maybe you should have taken a breather then called back another time.
06/20/18
Thanks for sharing! I have had similar issues, however, I did not feel it was necessary to complain about it on wallethub. You also have a typo on “I’m”.
May 25, 2018
After having my red card I just made 1purchase.next month when I tried to make online payment for credit card balance,may be there was a mistake,it didn’t work,after 1month I got call from their customer service that they didn’t receive any payment,right there I made my payment over phone.next month I close my target account because of this mistake,as having too many credit card is a hassle and o really don’t need it.after 2months of closing my account they r sending me that I have 100+ due payment with delayed fee.then when I call in their customer service,my account is close already and I didn’t make any other transactions except the first one,for which I already paid total amount over phone.the person said when u made it first payment there was 9$ due,for that 9$ for next 3month with the delayed payment your balance is 103$.What the fuck????
I paid total balance over phone and my account is close.now u r telling me that.when I close my account why didn’t you mention it?because I didn’t close my account by myself,I made it with your account manager.then they took out that money from my account when I authorize them.This is totally a injustice for the customer.is it a game?you should cooperate ur customers not just find a way to grab their money......… show more
I paid total balance over phone and my account is close.now u r telling me that.when I close my account why didn’t you mention it?because I didn’t close my account by myself,I made it with your account manager.then they took out that money from my account when I authorize them.This is totally a injustice for the customer.is it a game?you should cooperate ur customers not just find a way to grab their money......… show more
Oct 10, 2017
Online management is terrible and did not update auto pay and was charged with 90% of the credit limit removed. I payed off the balance immediately and called asked to have the fee removed and credit restored since I have been a customer for 3 years with no issues ever. They refused and did not care at all to keep my business.... Don't let the 5% trick you, their stuff is already marked up.
Jul 15, 2017
I lost my job in February 2010 and fell behind in my bills. It took me to July 2011 to find a new job and with a terribly credit score they approved me in 2012 with a $300 limit. It took years before they increased my limit but it was also a difficult time for the banks. In June 2017, they sent me a letter in the mail saying that I would be moved to the MasterCard in August if my account remained in good standing. I really don't care, because I'm an Amex guy now (can't get in as much trouble with a charge card). Still for someone getting back on their feet, this was a good place to start.… show more
Jul 05, 2017
Penalized for paying early!! My due date is the first of every month, so last month I paid it a week early on the 24th. I called and checked my balance to be notified, June payment was "missed" and a payment of $65 was due in July. I spoke to customer service only to be informed that any payment made before the due date, goes as a payment for the previous month's statement and they weren't able to apply it to June.… show more
Jul 05, 2017
Penalized for paying early!! My due date is the first of every month, so last month I paid it a week early on the 24th. I called and checked my balance to be notified, June payment was "missed" and a payment of $65 was due in July. I spoke to customer service only to be informed that any payment made before the due date, goes as a payment for the previous month's statement and they weren't able to apply it to June.… show more
Mar 16, 2017
5% at the register is hard to beat, it really is. However, please keep in mind how hard you will be working for that 5%, and how inconsistently you'll be receiving it.
I have had numerous issues with the card due to various technicalities on my account. It has taken me an average of 5 phone calls per issue to their customer service account in order to resolve anything. Yes, that's the AVERAGE number of times I've had to call. You will definitely be on hold, the first person will definitely not be able to help you, if they can even access your account, and there's somewhere between a 25% and 45% chance that the call will end abruptly when their servicer hangs up on you.
Specifically, they have an extraordinarily difficult time receiving direct payments from my bank, which is a major international bank, not some small obscure credit union no one has ever heard of, which has resulted in payments not posting and me being charged interest and fees even though my initial attempts at payment have been well before the payment deadlines.
I know this because they opened my account at a pathetically small credit limit, so I have to pay it off multiple times a month in order to keep the card operating. The worst part about that is when I call them to request a change to the limit, they direct me back to website where there's a one-box submit form where you update your annual income. As far as I know, I might as well be writing my annual income down on a piece of paper and throwing that paper directly into the garbage rather than wasting my increasingly limited amount of hope that some human somewhere is actually going to receive the request.
So, I'm going back to paper statements, paper checks, and the acceptance that the 5% at the register discount will work probably no more than half the time I'm there. So, go ahead and get the card, just be sure to have your back-up ready, because you can bet they won't bother contacting you if there are any issues such that your card isn't going to work.… show more
I have had numerous issues with the card due to various technicalities on my account. It has taken me an average of 5 phone calls per issue to their customer service account in order to resolve anything. Yes, that's the AVERAGE number of times I've had to call. You will definitely be on hold, the first person will definitely not be able to help you, if they can even access your account, and there's somewhere between a 25% and 45% chance that the call will end abruptly when their servicer hangs up on you.
Specifically, they have an extraordinarily difficult time receiving direct payments from my bank, which is a major international bank, not some small obscure credit union no one has ever heard of, which has resulted in payments not posting and me being charged interest and fees even though my initial attempts at payment have been well before the payment deadlines.
I know this because they opened my account at a pathetically small credit limit, so I have to pay it off multiple times a month in order to keep the card operating. The worst part about that is when I call them to request a change to the limit, they direct me back to website where there's a one-box submit form where you update your annual income. As far as I know, I might as well be writing my annual income down on a piece of paper and throwing that paper directly into the garbage rather than wasting my increasingly limited amount of hope that some human somewhere is actually going to receive the request.
So, I'm going back to paper statements, paper checks, and the acceptance that the 5% at the register discount will work probably no more than half the time I'm there. So, go ahead and get the card, just be sure to have your back-up ready, because you can bet they won't bother contacting you if there are any issues such that your card isn't going to work.… show more
Feb 28, 2017
I just applied for the target red card and I just love it I was approved for 300 dollars 650 EQ score so far very happy
08/24/18
Stay on it, as well as the rest of your credit profile! This card gives frequent credit line increases =)
Feb 14, 2017
RedCard has security hole in the approval procees?- Here is my case, someone apply for a RedCard under my brother name but using my address. My brother lives in another city. The card sent to my address. I asked my brother if he applied for the card. said no he did not apply for it. He did not have a chance to call the company since he is not around. A few weeks later I got a monthly statement from this REDcard and the balance is $976.xx (the credit line is $1000). My question is how this person can use the card while its not activated?… show more
Feb 11, 2017
I'll pre face this with that I completely love Target as a company but the company that services the Red Card is crap. I bank with an online company called Simple and they switched account numbers and I didn't realize I didn't update my Target one until I went to make the payment for this month. Needless to say I was surprised by a return check fee and called them to see if they could help me out in this situation. They refused and were incredibly rude about it. I've worked for multiple credit card companies (Citi for a long time) and this is the first time I've seen a company unwilling to help a customer out for an honest error. Same thing happened with my Walmart card and they were more then generous enough to help me out with the fee's that incurred.… show more
Jan 14, 2017
Horrible customer service! They have a treat the customer like cattle policy, Lined with disrespectful overtones it is really uncomfortable. One thing I have encountered on more than one occasion is they process a late fee on your due date! So if you pay the payment on the actual due date they will still attempt to collect a late fee! Have also had other issue's with them. I have 100% payment history on all my bills... I do not recommend them..… show more
Dec 05, 2016
Target did not send my first statement until my payment was late. I paid only the $39 that I originally charged and I called to ask if I could have the penalty abated. Target refused to credit my account for a penalty that was not my fault. My most recent statement shows that my current account balance is about $250. This is $250 of pure penalties and interest. This has wrecked my credit, but I will not give in. Let's see who will give in first. I will never shop there again.… show more
Feb 24, 2016
I had to call them for a bill almost 60 days after receiving this card. They said I had finance charges and late fees. They had my address wrong and would not waive any fees. I cancelled the card and 90 days later I get another bill for 3 months of late charges. Apparently they posted that payment late and another late charge was required. So all said and done I paid over $200 for the opportunity to have their card. I would advise against it, get a credit card like capital one with points and have them send you target gift cards instead. Their customer service is actually worse than Time Warner… show more
Feb 24, 2016
Refused to return late fees after being lied to about auto pay set up. That's not good customer service Target. Keep your card.
Dec 29, 2015
i have been charged late fees for four months because i was lied to when i signed up for this card and NO ONE has been even remotely helpful in getting this resolved. based on the one star reviews elsewhere online i am guessing this is a paid site with tons of fake reviews. good work target/td bank. youve lost a significant customer
08/24/18
Late fees for four months and you're posting on Wallet Hub?!! Do you even read the suggestions on how to improve your credit here on this website?!!
Dec 28, 2015
Target Red Card has gone overboard in their security measures. Everyone in your family has to have an individual account number. Red Card is able to tie the purchases together onto a single bill, but when you attempt to return an item, and you do not have the specific card the purchase was made from, they are unable to return an item and credit your account.
This is painful when I try to return an item which my wife purchased through her card. It's not worth the 5%, when you end up losing money on a return.
Red Card - You really need to THINK about customer service.… show more
This is painful when I try to return an item which my wife purchased through her card. It's not worth the 5%, when you end up losing money on a return.
Red Card - You really need to THINK about customer service.… show more
08/24/18
Target customer service can easily locate purchases made within 90 days of return, even with multiple card holders on your account. After that it drops out of their system.
Dec 13, 2015
I love my Target card I always shop there for deals and by using my card I get an extra 5% percent off. Money saved means money in my pockets. Forever loyal to Target. Great customer service and are very helpful.
Dec 10, 2015
What I really love about the Target RedCard is that I save so much money. I can order things online easily and have them shipped to my house for free, on any purchase. They do not have a minimum purchase amount to receive the free shipping which is spectacular. I also save 5% on every purchase that I make, either online or in-store. It is so easy to use the RedCard, and it saves me money on great merchandise from Target.… show more
Dec 09, 2015
I really love my Target credit card. The credit card offers all the benefits and ease of use as any credit card I have ever had, but it also has the added incentive of getting a 5% discount at Target stores and online. And any issue I have with my account or purchases is quickly and professionally resolved with their great customer service. I highly recommend this credit card. 4 Stars.
Dec 06, 2015
I love to use my Target card when I go to the store or use online. One of the main reasons why I use it is for the 5% discount. If I find an item that I like online or at other stores, I check to see if it is the same price at Target - if it is I use this card and get it for 5% cheaper!
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Last updated on: March 25th, 2020 at 07:13
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WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers 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.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered.
Offer last updated: Mar 25th, 2020 at 07:13 ET