+ 100% FREE
+ Unlimited Credit Reports
+ Unlimited Credit Scores
+ Credit Monitoring Protection
+ Credit Improvement Tips
+ Automatically Finds Savings
No credit card needed
TD Bank@TDBankUS https://www.tdbank.com
Get answers to your questions about TD Bank below.
The WalletHub Answers section can help you with more general questions.
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!
Your best bet 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 at: wallethub.com/edu/how-to-increase-credit-limit/25857/ . Hope that helps!
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.
Previous responses are right. You can only use the REDcard at Target. But Target sometimes has a lot of stores in one. For example, you can use your Target credit card at a Starbucks’s in a Target, and even get a 5% discount in the process. You can also use it at places like D’Amico & Sons Italian Kitchen and Pret A Manger within a Target. But you won’t get the 5% discount there.
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.
The Target REDcard is one of the best store credit cards on the market, offering significant savings on Target purchases. And while Target purchases are all you can use it for, the fact that is has no annual fee and requires just “fair credit for approval means it’s a must-have for frequent Target shoppers. You can learn more from WalletHub’s full-length Target REDcard review: https://wallethub.com/edu/target-red-card-review/25952/.
Once the bank receives your application, you should expect a decision via mail within 7-10 business days after the application was submitted.
The Target REDcard generally requires at least “fair” credit for approval. A fair credit score won’t always be sufficient enough, though. Other variables may play a role in the decision, too, such as your income and debt obligations. If you’d like to see where your credit stands, and thus get a rough sense for your odds of approval, you can check your credit score for free on WalletHub (https://wallethub.com/free-credit-score/).
You can call Target’s customer service at 1-888-755-5856. Good luck.
Yes, a Visa gift card purchased at Target can be used anywhere in the U.S. that takes Visa.
When you check out at Target.com, simply select “Target GiftCard” as your payment method. Then enter your “Card Number” and “Access Code,” and you should be all set. Target gift cards also qualify for free standard shipping. Enjoy!
There’s no age limit mentioned on the bank’s official website. According to the website, if you are age 18 or younger you will be waived the $5 monthly service fee for the savings account. Please call customer service at 888-751-9000 for more details.
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
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.
Cardholders are generally eligible for credit limit increases after six months of on-time payments. Your best bet would be to call customer service at 888.755.5856 and ask for a credit limit increase. For more information, check out our article on How to Get a Higher Credit Limit: http://wallethub.com/edu/how-to-increase-credit-limit/25857/ .
i have this card since 2007
The credit score requirements for the Target REDcard are quite lenient -- you only need fair credit to be approved. That being said, it should be noted that TD Bank also reviews information about income and employment status, among other things, during evaluation. Our recommendation is that you submit an application only if your credit score is above 640, to maximize your chances of approval. Check your credit score for free on WalletHub so you know where you stand. Best of luck!
As is the case with most store cards, you will need at least fair credit (640+ score) to qualify for the Nordstrom Store Card.
Your income status, debt load and bad items on your credit report will definitely influence your odds of approval, so take all those into account. Good luck!
Unfortunately, you cannot obtain cash back with a Target RED credit card. If you have been upgraded to a Target MasterCard, you may obtain cash advances at an ATM or in person at a bank. To use your card at an ATM, you’ll need a PIN, which you can set up and manage on Target’s website by logging in on the REDcard page, then clicking on the “Easy Activation and Card Management” tab. Please keep in mind that cash advances go hand in hand with large fees and a high interest rate, and we therefore advise against making these types of transactions.
You can apply online and also find the necessary documents for a student checking account here: https://esecure.tdbank.com/Net/accountopening/accountopening.aspx/gettingstarted?ProductName=TD%20Student%20Checking%20&couponcode=20020&skip=true
There is no inactivity fee for the Nordstrom credit card. But make sure your balance is paid off, as the purchase APR ranges from 17.15% to 25.15% and you don't want to let that accrue.
There is no way to prequalify for the Target credit card.
Applying will result in a hard inquiry on your credit report, but the score effects will be minimal. My advice is to apply only if your credit score is at least 640, which is fair credit.
To make sure you're in the safe zone, simply check your credit score.
Your Target credit card limit will be determined based on your creditworthiness, including credit scores and income. But don't expect a very high limit on this one.
As with most store cards, users report initial credit limits in the vicinity of $1,000, which is pretty modest.
You need a bank account to get a Target Credit Card.
You can use your Target Red Card to buy third-party gift cards from Target or target.com.
However, Target and Visa gift cards cannot be purchased with a Target Red Card. You will need a regular debit card, check or simply cash for those.
The address to mail in payments for your TD Bank Credit Card account is the following:
TD Card Services
PO Box 16027
Lewiston, ME 04243-9513
When you apply for the Nordstrom credit card, TD Bank, the issuer, will pull from Experian in most cases and sometimes Equifax, depending on your state. That's according to what people who have the card say. But it's possible TD could pull from any of the big three bureaus.
Your minimum required payment should be listed on your monthly statement. Generally, the minimum payment on the RED card is the greater of $25 or 1% of your balance, plus interest and fees. If your balance is less than $25, your minimum payment will be equal to your balance. Hope that helps!
They’ll never disclose that. It really varies from state to state, so they might pull one, two, or even all 3.
You’re covered in most foreign countries. Only exclusions are Israel, Jamaica, the Republic of Ireland, or Northern Ireland.
Sorry, no sign-up bonus or intro APR.
After you have met the eligibility criteria, the bonus points will be reflected on your account within 6 to 8 weeks. You will receive 20,000 bonus points, worth roughly $200, redeemable for gift cards, merchandise, travel, or cash back in the form of statement credit or direct deposit into a checking or savings account. To redeem, log into your account at tdcardservices.com or call 1-888-561-8861.
No, you should be able to complete the application process and use your card as soon as you do so. You can activate your card online at: https://rcam.target.com/ActivateCard.aspx.
No, the REDcard has no daily spending limit. However, there is an overall credit limit assigned to your credit card account. The credit limit amount will be determined based on your creditworthiness, and disclosed to you when you receive your card. This means that you can charge up to a certain dollar amount with your credit card, which you will have to pay back to be able to charge again. Hope this helps.
They will be able to look up your account in-store if you bring along your credit card billing statement. However, if your card is lost, the most important thing to do is to call customer service immediately at 1-800-424-6888. This way, you can prevent fraudulent charges and ensure you are forgiven any potential debt. Hope this helps!
No!! Target employees can NOT look up a guests account. The only thing a team member can do is, accept a payment ....even then, they can't tell you what you owe.
Yes, TD Bank will pull your credit report when they review your application and will consult your credit score when deciding whether to approve you. It is definitely a good idea to check your credit score for free on WalletHub before submitting an application to find out what your score is. This specific credit card, for example, requires at least fair credit. So in order to really maximize your odds of approval, you should only submit an application if your credit score is at least 640.
Yes, the Target REDcard is a store card, and can therefore be only used for purchases made at Target stores.
Hope this helps!
Yes, you can apply at any Target store at the Customer Service counter. You will need to have identification on you -- Social Security Number, driver’s license, state ID or military ID.
You can locate a Target in your proximity here: https://www.target.com/store-locator/find-stores. If you qualify, you may be instantly approved -- otherwise, if further verification is needed, you should receive a decision in the mail within 7-10 business days. If you’re approved, your card will be mailed in another 7-10 business days. You may also submit an application via WalletHub’s Target REDcard review page, by hitting the “Apply Now” tab.
You can apply through WalletHub’s Tourneau Credit Card review page. By hitting the “Apply Now” tab above the Q&A section, you will be redirected to the offering institution, TD Bank’s secure application form. This card requires fair credit for approval, and it is always a good idea to check your credit score for free on WalletHub, to know where you stand.
Best of luck!