Where to send your Target credit card payment

You can pay your Target credit card (also called the Target RedCard) through three main routes: online at Target.com, by phone, or by mail. The online method is fastest and shows your payment post immediately. By phone, you call the number on the back of your card and speak to a representative who processes it while you wait. By mail, you send a check to the address printed on your monthly statement — this takes 7 to 10 business days to reach Target's payment center.

Target also lets you set up automatic payments so the full balance, minimum payment, or a fixed amount you choose withdraws from your bank account on a date you pick each month. This prevents missed payments but requires you to monitor your bank balance to ensure the funds are there.

Key Takeaways

  • Online payment at Target.com or through the Target app is the fastest method and posts the same day you submit it.
  • Automatic payments prevent late fees but require you to have enough money in your bank account on the withdrawal date.
  • Payments by phone or mail take longer to post, so plan ahead if your due date is near.
  • Your monthly statement shows the payment address, due date, and minimum payment amount you owe.
  • Late payments trigger a fee and can damage your credit score, even if you pay just one day after the due date.

Paying online through Target.com or the app

Log into your Target account on Target.com or open the Target app, then navigate to your credit card account section. You will see your current balance, due date, and a button to make a payment. Enter the amount you want to pay and confirm your bank account information. Target processes online payments the same day, so the payment shows on your account immediately.

You do not need to be a Target shopper to make a payment this way — you only need your Target credit card number and online login. If you have forgotten your login, use the "Forgot Password" link on the Target website to reset it. The payment posts even if you pay on a weekend or holiday, though the due date itself does not move.

Setting up automatic payments to avoid missed due dates

Automatic payments withdraw money from your checking or savings account on a date you choose each month. To set this up, log into your Target credit card account online, find the "Automatic Payments" or "Recurring Payments" section, and select the amount type: minimum payment, full balance, or a fixed dollar amount you enter.

The main benefit is that you never accidentally miss a due date. The main risk is overdrawing your bank account if you do not have enough money on the withdrawal date. Target will still charge you a late fee if the payment fails, and the late payment reports to credit bureaus. Check your bank balance the day before the automatic withdrawal to make sure the funds are there.

Paying by phone with a Target representative

Call the phone number on the back of your Target credit card. A representative will ask for your card number and the amount you want to pay, then request your bank account information to process the payment. The call usually takes 5 to 10 minutes. The payment posts the same day, though some banks take an extra day to withdraw the funds from your account.

Paying by phone is useful if you have questions about your balance or due date, or if you prefer speaking to a person. It is slower than online payment only because you have to wait on hold, not because the payment itself takes longer to process.

Mailing a check to Target

Write a check to Target Corporation and mail it to the address shown on your monthly statement. Include your credit card number on the check so Target knows which account to credit. Mail takes 7 to 10 business days to arrive, so if your due date is within two weeks, do not rely on mailing a check — use online or phone payment instead.

Keep a record of the check number and the date you mailed it. If the payment does not post within 10 business days, call Target to confirm they received it. A lost check in the mail can result in a late payment fee and credit damage, so this method is riskier than the others.

What happens if you miss your due date

Target charges a late fee if your payment arrives after the due date shown on your statement. The fee amount depends on your card terms but typically ranges from $25 to $40 for the first late payment. More importantly, a payment that is even one day late reports to credit bureaus and can lower your credit score by 50 to 100 points or more, depending on your current score.

If you realize you will miss the due date, call Target immediately. Some representatives can extend your due date by a few days or waive a single late fee if you have a good payment history. Asking before you miss is much more effective than asking after.

Paying more than the minimum to reduce interest charges

Your monthly statement shows a minimum payment (usually 1 to 3 percent of your balance) and your full balance. Paying only the minimum means you carry the rest forward and pay interest on it. The Target RedCard charges interest on purchases you do not pay in full by the due date, and the rate varies based on your creditworthiness.

Paying more than the minimum reduces the amount of interest you owe and gets you out of debt faster. If you can pay the full balance each month, you avoid interest entirely. If you cannot, paying even $50 or $100 extra per month saves money over time and shows lenders you are managing the debt responsibly.

Frequently Asked Questions

Can I pay my Target credit card at a Target store?

No, you cannot pay your Target credit card bill at a store register. You must pay online, by phone, or by mail. Some stores have kiosks or customer service desks, but they do not process credit card payments — only store purchases and returns.

What time of day does an online payment post?

Online payments post the same calendar day you submit them, but the exact time varies. Most post within a few hours, though some may take until the end of the business day. If your due date is tomorrow, do not wait until evening to pay online — pay today to be safe.

Can I change or cancel an automatic payment after I set it up?

Yes, you can log into your Target credit card account and modify or cancel automatic payments anytime. Changes take effect on the next scheduled withdrawal date. If you cancel an automatic payment, you must remember to pay manually or set up a new automatic payment, or you risk missing the due date.

Do I need a Target account to pay my credit card bill?

You need a Target credit card account, which is different from a shopping account. You can pay by phone or mail without logging into Target.com, but online payment requires you to log in. If you do not have an online login, you can create one using your card number and other identifying information.

What if I overpay my Target credit card?

If you pay more than you owe, Target holds the extra amount as a credit on your account. You can use it toward future purchases, or you can call Target to request a refund check. The refund usually takes 5 to 10 business days to arrive.