Everything You Need To Know About How To Pay Your Target RedCard

Jorge Villalba / Getty Images

Frequent shoppers at Target will benefit greatly from the store’s popular RedCard, issued through TD Bank, which offers 5% off purchases — including in-store Starbucks purchases — an extended return period and free two-day shipping for items purchased on Target’s website. Cardholders also enjoy early access to special events, products and promotions, as well as an exclusive coupon each year on their RedCard anniversary date, all for no annual fee.

Getting the best deal with the Target RedCard is now faster than ever. Download the Target smartphone app to combine Circle offers, coupons and the 5% RedCard discount in the Wallet feature. Scan the Wallet barcode at checkout to pay and you’re done. After you apply for a Target credit card and get approved, check out the options for making a Target RedCard payment.

Explore: GOBankingRates’ Best Credit Cards for 2023
Advice from CardCritics: Why It’s Time To Ditch Your Store Credit Card

Here’s your guide to everything you need to know about making a Target RedCard payment.

How To Make a Target RedCard Payment in Person

Head over to the Guest Services desk and have your billing statement or Target RedCard ready so the attendant can look up your account number. The employee can use the account number to accept your Target bill payment and apply it to your account.

Get Credit Card Perks

Related: Best Store Credit Cards

How To Make a Target RedCard Payment by Mail

Target RedCard holders receive a monthly paper statement in the mail. Customers can tear off the stub at the bottom and send it in with their Target payment using the provided envelope. You’ll want to send your payment five to seven days before the due date to make sure it arrives on time.

In the event you misplace the statement, use the following payment address:

Target Card Services
P.O. Box 660170
Dallas, TX 75266-0170

When sending your payment minus the stub, add your Target RedCard account number to the memo section of the check so the payment processor will know which Target customer account should be credited.

Don’t Miss: 19 Secret Ways To Save Money at Target

How To Make a Target RedCard Payment by Phone

Another way to make your credit card payment is to call the Target RedCard customer service team at 800-424-6888. 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.

Get Credit Card Perks

How To Make a Target RedCard Payment Online

To make a RedCard payment online, enter your username and password on the Target RedCard login page. Once the Manage My RedCard screen appears, click “Schedule a Payment” under the “Payment Information” tab on the left side of your screen. Follow the prompts to have your payment debited from your savings or checking account.

As long as you make your payment before 5 p.m. CST, it will post the same day.

What Happens If I Miss a Target Payment?

Target RedCard credit card payment due dates are at least 25 days after the close of each billing cycle. Missing your payment ends up costing you more than the 5% savings you received on your purchases, so stay on top of making your payments on time.

As soon as you realize you missed a payment, pay the card balance as quickly as possible. The fastest payment methods are online, in person or by calling. Time is of the essence — you’ll be charged a late fee of $29 plus interest for every day you carry a balance. If you miss multiple payments in a six-month window, the late fee increases to $40.

Get Credit Card Perks

Catching up on your past-due balance quickly is also important when it comes to your credit report and credit scores. “The longer a bill goes unpaid, the more damaging the effect it has on your credit score,” according to Equifax, one of the top credit bureaus.

Explore: 14 Items That Are Always Cheaper at Target

How To Avoid RedCard Late Payment Fees

There are two ways you can avoid a past due payment and the $29-$40 late fee. You can use the online portal to schedule payments up to 30 days in advance. Or you can set up a Target bill pay reminder alert that sends you an email when your payment is coming due. 

To schedule a Target RedCard payment in advance:

To set up a Target RedCard payment-due email reminder:

Get Credit Card Perks

Can I Change My Target RedCard Payment Date?

Changing your Target RedCard payment date could be helpful for coordinating your payment with your payday or setting up a due date that’s easier to remember. You can make the change to your payment date by calling the appropriate Target guest services phone number:

Target Bill Pay Benefits

Paying your RedCard is easy, thanks to the four convenient payment options of in-store, online, over the phone and by mail. As with all store credit cards and credit products, paying off your balances in full and making payments on time every month will build your credit and save you money on late fees and interest charges, making the 5% Target store savings worth your while.

Pay Your Other Store Credit Cards

Get Credit Card Perks

Information is accurate as of Feb. 6, 2023.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.