Target Credit Card Online Payment Methods

You can pay your Target credit card through Target's website, the Target mobile app, or by phone. Target processes payments the same day if you submit them before 8 p.m. Central Time on a business day. Payments made after that time or on weekends and holidays are processed the next business day.

The most direct route is logging into your Target account on target.com, selecting "Manage Credit Card," and choosing "Make a Payment." You'll enter the amount you want to pay and confirm your bank account or debit card details. The Target app offers the same process through its payments section. If you prefer not to use digital channels, you can call Target's credit card customer service line to make a payment over the phone using a checking or savings account.

Key Takeaways

  • Target processes online credit card payments the same business day if submitted before 8 p.m. Central Time, or the next business day otherwise.
  • You can pay through target.com, the Target mobile app, or by phone using a bank account or debit card.
  • Payments made to your Target credit card account reduce your balance and may lower your interest charges if you're carrying a balance.
  • Setting up automatic payments through your Target account ensures your minimum payment posts on time each month.

Paying Through Target.com

Log into your Target account using your email address and password. Once signed in, navigate to "Account" in the top right corner and select "Manage Credit Card." You'll see your current balance, minimum payment due, and due date.

Click "Make a Payment" and enter the amount you want to pay. You can pay your full balance, your minimum payment, or any amount in between. Target will ask you to confirm the bank account or debit card you want the payment drawn from. If this is your first payment, you'll need to enter your routing number and account number, or your debit card details. Review the payment details and confirm. Target will show you a confirmation number when ready.

Paying Through the Target Mobile App

Open the Target app and tap the account icon at the bottom right. Select "Manage Credit Card" from the menu. Your credit card balance and due date appear at the top of the screen.

Tap "Make a Payment" and enter your payment amount. Choose whether to pay from a bank account or debit card. If you're paying from a bank account for the first time, enter your routing and account numbers. If you're using a debit card, enter the card number, expiration date, and CVV. Confirm the payment, and you'll receive a confirmation number on screen.

Paying by Phone

Call Target's credit card customer service number, which appears on the back of your Target credit card or on your monthly statement. Have your credit card number and a bank account or debit card ready.

A representative will verify your identity by asking for your Social Security number or other personal information. Tell them the amount you want to pay and which account to draw the payment from. The representative will confirm the payment details and provide you with a confirmation number. Payments made before 8 p.m. Central Time on a business day post the same day.

Setting Up Automatic Payments

Automatic payments may support your minimum payment posts on time each month, which helps you avoid late fees and protects your credit history. You can set up automatic payments through target.com or the Target app.

Log into your Target account, go to "Manage Credit Card," and select "Automatic Payments." Choose whether you want to pay your full balance, your minimum payment, or a fixed amount each month. Select the date you want the payment to post (between the 1st and 28th of each month) and the bank account or debit card to draw from. Target will process the payment automatically on that date each month. You can change or cancel automatic payments at any time through the same menu.

Payment Processing Times and Timing

Target's payment processing window is 8 p.m. Central Time on business days. Payments submitted before that time are processed the same day. Payments submitted after 8 p.m. Central Time, or on weekends and holidays, are processed the next business day.

Your payment may take one to two business days to appear on your account after it's processed, depending on your bank. If your payment due date is coming up, submit your payment at least two business days early to may support it posts on time. Late payments can result in late fees and may affect your credit score.

What Payment Methods Target Accepts

Target accepts payments from checking accounts, savings accounts, and debit cards. You cannot pay your Target credit card with another credit card, including another Target credit card. You also cannot pay in cash or by check through the online or app payment systems.

If you want to pay in cash or by check, you can mail a check to the address on your monthly statement or pay in cash at a Target store. Mailed payments typically take five to seven business days to post, so mail your payment well before your due date. In-store cash payments may take longer to post than online payments.

Frequently Asked Questions

What happens if I pay late?

Late payments can result in a late fee (typically $25 to $35 depending on your account) and may increase your interest rate. Late payments also appear on your credit report and can lower your credit score. If you miss a payment, contact Target's customer service as soon as possible to discuss your options.

Can I pay more than my balance?

No. Target will not accept a payment larger than your current balance. If you want to prepay toward future purchases, you can request a credit balance on your account, but this is not the same as making a payment toward your current balance.

How do I know my payment went through?

Target provides a confirmation number when ready after you submit a payment online or through the app. You can also log into your account to check your balance and payment history. Your statement will show all payments received during the billing period.

Can I cancel a payment after I submit it?

If you submitted the payment less than one hour ago and it has not yet processed, you may be able to cancel it through your Target account. Once the payment has processed, you cannot cancel it. Contact Target's customer service when ready if you need to cancel a payment.

What if my payment doesn't post by my due date?

If you submitted your payment on time but it has not posted by your due date, contact Target's customer service with your confirmation number. They can verify the payment status and may be able to reverse any late fees if the delay was on Target's end.