Where to send your Target credit card payment

Target Credit Card payments go to a mailing address that appears on your monthly statement. The address is typically a lockbox — a processing center that handles payments only, not customer service. You can also pay online through your Target account, by phone, or in person at a Target store.

The method you choose affects when your payment posts. Mailed checks take five to seven business days to reach the lockbox and clear. Online payments and phone payments usually post within one business day. In-store payments at Target's guest services desk post the same day or next business day, depending on the time you pay.

Your monthly statement lists all four payment methods with specific instructions for each. If you cannot find your statement, log into your Target account online or call the customer service number on the back of your card.

Key Takeaways

  • Online payments through your Target account post fastest — usually within one business day — and cost nothing.
  • Mailed payments take five to seven business days to post, so send them at least a week before your due date to avoid late fees.
  • Phone payments and in-store payments at Target guest services are available if you do not have online access or prefer not to use it.
  • Your due date is printed on your statement; payments received after that date trigger a late fee even if they post the same day.
  • Automatic payments from your bank account can be set up through your Target account to pay on a date you choose each month.

Paying online through your Target account

Log into your Target account at target.com using your username and password. Click on "Account" in the top right, then select "Credit Card" from the menu. You will see your current balance, due date, and a button labeled "Make a Payment."

Enter the amount you want to pay and the date you want it to post. Target will show you a confirmation screen with the payment amount and posting date before you submit. Once you confirm, the payment is scheduled. You will receive an email confirmation with a reference number you can use if you need to contact Target about the payment later.

If you want the same payment to happen automatically each month, you can set up autopay in the same section. Choose whether you want to pay the full statement balance, a fixed dollar amount, or the minimum payment. You can change or cancel autopay anytime through your account.

Paying by phone or mail

To pay by phone, call the customer service number on the back of your Target Credit Card. A representative will ask for your card number, the payment amount, and the account you want to pay from. Phone payments are free and post within one business day.

To pay by mail, write a check or money order for the amount you owe. Include your account number on the check. Mail it to the address printed on your statement under "Payment Address" or "Make Payments To." Do not send cash through the mail. Allow five to seven business days for mailed payments to post, so send your payment at least a week before your due date.

If you are paying by mail and want to confirm your payment posted, log into your Target account three to five business days after you mailed the check. Your account will show the payment once it has been processed.

Paying in person at Target

You can pay your Target Credit Card bill at the guest services desk in any Target store. Bring your card or a recent statement so the cashier can look up your account. You can pay with cash, a debit card, another credit card, or a check. The payment posts the same day or the next business day.

In-store payments are useful if you prefer to handle money in person or if you do not have online or phone access. There is no fee for in-store payments. Ask for a receipt showing the payment amount and the date it was processed.

What happens if you miss your due date

If your payment does not post by the due date shown on your statement, Target charges a late fee. The fee amount depends on your account terms, but it is typically $25 to $35 for the first late payment. A second late payment within six months usually costs more.

Late payments also affect your credit score. After 30 days past due, the late payment is reported to credit bureaus. After 60 days past due, your interest rate may increase. After 90 days past due, Target may close your account.

If you realize your payment will not arrive on time, contact Target customer service when ready. Explain the situation and ask whether they can waive the late fee or extend your due date. Some representatives have the authority to make one-time exceptions, especially if you have a good payment history.

Understanding your statement and due date

Your Target Credit Card statement arrives monthly and shows your opening balance, all charges and credits from the past month, your new balance, your minimum payment, and your due date. The due date is always the same day each month — for example, the 15th or the 25th.

Your statement also shows how much interest you will pay if you only make the minimum payment. This number helps you understand the cost of carrying a balance. If you pay the full statement balance by the due date, you pay no interest on purchases made during that billing period.

The statement lists a grace period, which is the number of days between the end of your billing period and your due date. During this time, you can pay without interest. Once the due date passes, interest starts accruing on any unpaid balance.

Setting up automatic payments to avoid missed due dates

Automatic payments remove the risk of forgetting to pay. You can set them up through your Target account to deduct money from your bank account on a date you choose each month. You decide whether to pay the full balance, a fixed amount, or the minimum payment.

To set up autopay, log into your Target account, go to "Credit Card," and select "Autopay Settings." Enter your bank account number and routing number. Choose the payment amount and the day of the month you want the payment to happen. Target will send you a confirmation email.

You can change your autopay amount or cancel it anytime through your account. If you cancel autopay, you will need to make manual payments again. Make sure you have enough money in your bank account on the autopay date, or the payment may fail and trigger a fee from your bank.

Frequently Asked Questions

How do I know if my payment posted?

Log into your Target account and check your credit card balance. Payments usually show within one business day for online and phone payments, or one to two days for in-store payments. Mailed payments take five to seven business days. If your payment does not appear after that time, contact Target customer service with your payment reference number.

Can I pay more than the minimum?

Yes. You can pay any amount up to your full statement balance. Paying more than the minimum reduces the interest you pay and helps you pay off the card faster. There is no penalty for paying more than the minimum or paying early.

What if I pay late by accident?

Contact Target customer service as soon as you realize the payment is late. Explain the situation and ask if they can waive the late fee. If you have a good payment history, some representatives can make a one-time exception. Late fees are not automatic refunds, so you must ask.

Do I have to pay the full balance or can I pay part of it?

You can pay any amount, including just the minimum. However, if you do not pay the full statement balance, interest starts accruing on the remaining balance at your card's APR. Paying only the minimum means you will pay interest and take longer to pay off the card.

Is there a fee for paying online?

No. Target does not charge a fee for online payments, phone payments, or in-store payments. Mailed payments are also free. The only cost is the interest on any balance you carry past your due date.