Frequent Target customers will benefit immensely from the store’s famous REDcard, which is provided by TD Bank and gives 5% off purchases, a longer return period, and free two-day delivery for anything bought on Target’s website. Cardholders also get first access to exclusive events, items, and promotions, as well as a unique voucher on their REDcard anniversary, date each year, all for no annual cost.
Using the Target REDcard to get the greatest bargain is now easier than ever. Download the Target smartphone app to use the Wallet function to combine Circle deals, coupons, and the 5% REDcard discount. To pay, just scan the Wallet barcode at the checkout, and you’re done. After you’ve applied for and been authorized for a Target credit card, look into the possibilities for making a Target REDcard payment.
This is your one-stop-shop for all you need to know about making a Target REDCard payment.
1. How to Make a Target REDcard Payment in Person
Fuel up for your Target shopping excursion with a latte – the REDcard gets you 5% off your in-store Starbucks purchase. While you’re there, stop by the Guest Services desk with your billing statement or Target REDcard credit card in hand so the attendant may check up your account number. The staff may take your Target bill payment and apply it to your account using the account number.
2.How To Make a Target REDcard Payment by Mail
Target REDcard credit customers get a hardcopy statement in the mail once a month. Customers may rip out the bottom stub and mail it in with their Target payment in the accompanying envelope. To ensure that your money arrives on time, send it five to seven days before the due date.
If you lose your statement, please use the following payment address:
P.O. Box 660170 Dallas, TX 75266-0170 Target Card Services
When mailing your payment without the stub, include your Target REDcard account number in the notes line of the check so that the payment processor knows which Target customer account should be reimbursed.
How To Make a Target REDcard Payment by Phone
You may also phone the Target REDcard customer support staff at 800-424-6888 to make your credit card payment. Follow the automated procedures or request a conversation with a Target guest services professional. Within two business days, your money will be credited to your account.
How To Make a Target REDcard Payment Online
To make an online REDcard payment, go to the Target REDcard login page and enter your username and password. When the Manage My REDcard page displays, select “Schedule a Payment” on the left side of your screen under the “Payment Information” button. Follow the on-screen instructions to have your payment deducted from your savings or checking account.
Payments made before 5 p.m. Central Standard Time will be posted the same day.
What Happens If I Miss a Payment Due Date?
Payments for Target REDcard credit cards are due at least 25 days following the end of each billing month. Missing a payment costs you more than the 5% discount you gained on your purchases, so keep track of your payments and make them on time.
When you notice you’ve missed a payment, pay the card amount as soon as feasible. The quickest payment ways are online, in person, or over the phone. You’ll be charged a late fee of up to $39, plus interest at up to 24.90 percent APR, for every day you carry a debt.
Catching up on your past-due balances as soon as possible is also critical for your credit report and credit ratings. According to Equifax, one of the biggest credit agencies, “the longer a debt stays unpaid, the more negative the impact it has on your credit score.”
How To Avoid REDcard Late Payment Fees
There are two options for avoiding a late payment and the $39 late charge. You may plan payments up to 30 days in advance using the online interface. You may also set up a Target bill pay reminder alert, which will send you an email when your payment is due.
To make a Target REDcard payment in advance, follow these steps:
- Sign in to your Target credit card login page using your username and password.
- When you go to the “Manage My REDcard” screen, on the left, select “Schedule a Payment.”
- Follow the procedures to make an advance payment.
To set up a Target REDcard payment-due email reminder, follow these steps:
- Sign in to your Target REDcard login page.
- On the left, go to the “Settings” area and choose “Set Alerts.”
- Enter the number of days before your due date in the box “My credit card payment is due in” to specify when you wish to receive a payment reminder.
- Once you get the email reminder, pay your bill on time by using the most convenient of the four methods to make a Target REDcard payment.
Can I Change My Target Red Card Payment Date?
Changing your Target REDcard payment date may be beneficial for aligning your payment with your paycheck or putting up an easier-to-remember due date. You may modify your payment date by dialing the following Target customer care number:
- Target Mastercard: 800-424-6888
- Target Credit Card: 800-659-2396
- Target Debit Card: 888-729-7331
Benefits of Target Bill Pay
Paying for your REDcard is simple, owing to four quick payment options: in-store, online, by phone, and by mail. Paying off your balances in full and making payments on time every month, like with other store credit cards and credit strategies, will strengthen your credit and save you money on late fees and interest penalties, making the 5% Target store savings worthwhile.