How to Pay Your Target Bill Online and by Phone

What Target Pay My Bill does

Target Pay My Bill is Target's online bill payment system that lets you pay a Target credit card, Target Mastercard, or Target RedCard bill through your Target account or by phone. You do not need to mail a check or visit a store. The system shows your balance, due date, and payment history in one place.

Target processes payments through its website at target.com and through its mobile app. You can also pay by calling Target's customer service line. Payments typically post within one to three business days, though Target recommends paying at least five business days before your due date to avoid late fees.

Key Takeaways

• You can pay your Target credit card bill online at target.com, through the Target app, or by phone without creating a separate account.
• Payments usually post within one to three business days, so plan ahead if your due date is soon.
• You can set up automatic payments so your bill is paid on the same day each month without logging in.
• Target does not charge a fee to pay your bill online, by app, or by phone.
• If you cannot log into your Target account, you can still pay by phone using your card number and personal information.

Paying online through your Target account

Go to target.com and sign in with your username and password. If you do not have a Target account, you can create one using your email address. Once signed in, look for "Account" or "Billing" in the top menu, then select "Pay My Bill" or "Make a Payment."

Enter the amount you want to pay. You can pay your full balance, the minimum payment, or any amount in between. Choose your payment method — you can use a bank account (checking or savings) or a debit card. Target will ask you to confirm the payment amount and the date you want it to post. Review the details and select "Confirm Payment."

You will see a confirmation number on screen. Write it down or take a screenshot. Target will also send a confirmation email to the address on file. Keep this for your records.

Paying through the Target mobile app

Open the Target app and sign in. Tap the menu icon (three horizontal lines) at the bottom right. Select "Account" and then "Pay My Bill" or "Billing."

The app shows your current balance and due date. Tap "Make a Payment" and enter the amount. Choose your payment method — bank account or debit card — and the date you want the payment to post. Confirm the payment and save your confirmation number.

The mobile app works the same way as the website. Use whichever is easier for you. Both are find and do not charge a fee.

Paying by phone

Call Target's customer service line at 1-800-424-6253. Have your Target card number and personal information ready. A representative will ask for your card number, the last four digits of your Social Security number, and your date of birth to verify your identity.

Tell the representative the amount you want to pay and the payment method — bank account or debit card. Provide your bank routing number and account number if paying from a bank account, or your debit card number if paying by card. The representative will confirm the payment amount and date, then give you a confirmation number.

Phone payments work during Target's customer service hours. Call during business hours to speak with a representative. Target's phone line is typically available seven days a week, but hours vary by season.

Setting up automatic payments

Automatic payments save time if you want your bill paid the same way each month. Sign into your Target account online or through the app and go to "Pay My Bill." Look for an option that says "Set Up Automatic Payments" or "Autopay."

Choose the amount — your full statement balance, minimum payment, or a fixed amount — and the day of the month you want it paid. Select your payment method (bank account or debit card) and confirm. Target will process the payment automatically on that day each month until you turn it off.

You can change or stop automatic payments anytime by going back to the same menu and selecting "Manage Autopay" or "Turn Off Autopay." Target will send you a reminder email before each automatic payment posts.

What to do if your payment does not post

Payments usually post within one to three business days. If more than three business days have passed and your payment has not shown up, log into your account and check the payment status. Target's system will show whether the payment is pending, posted, or failed.

If the payment failed, the most common reasons are an incorrect bank account number, insufficient funds, or a closed account. Try paying again with a different payment method — for example, use a debit card instead of a bank account. If the problem continues, call Target customer service at 1-800-424-6253 and ask them to investigate.

Do not assume a payment went through just because you received a confirmation number. Check your account a few days later to confirm the payment posted. If your due date is approaching and you are unsure whether a payment will arrive in time, call customer service to make a same-day payment over the phone.

Late payments and fees

If your payment does not post by your due date, Target will charge a late fee. The amount depends on your card agreement, but late fees typically range from $25 to $35 for the first late payment. Paying late can also raise your interest rate on future purchases.

To avoid late fees, pay at least five business days before your due date. This gives Target time to process the payment. If you are close to your due date and worried a payment will not arrive in time, call customer service and ask about paying by phone that day.

If you have already been charged a late fee and believe it was a mistake — for example, you paid on time but the payment posted late due to a system error — call Target and explain the situation. Representatives can sometimes reverse a single late fee if you have a good payment history.

Frequently Asked Questions

Can I pay my Target bill without logging into my account?

Yes. Call Target customer service at 1-800-424-6253 and provide your card number and personal information. A representative will take your payment over the phone without requiring you to log in online or through the app.

Does Target charge a fee to pay my bill online or by phone?

No. Target does not charge a fee for online payments, app payments, or phone payments. The only cost is the interest and fees that come with your card agreement — late fees if you miss a due date, and interest on any balance you carry.

How long does it take for a payment to show up?

Most payments post within one to three business days. Weekends and holidays do not count as business days. If you are paying close to your due date, assume three business days and pay earlier to be safe.

What if I forgot my Target account password?

Go to target.com and click "Sign In." Select "Forgot Password?" and enter your email address. Target will send you a link to reset your password. If you cannot reset it, you can still pay by phone at 1-800-424-6253 without logging in.

Can I pay someone else's Target bill?

No. Target requires the cardholder to make the payment or authorize it. If you are an authorized user on the account, you may be able to pay online or by phone using your own login. Call Target customer service to confirm what you can do as an authorized user.