www target com credit card application

Target issuing more secure, chip-based credit cards. A big U.S. retailer is finally moving into safer chip-and-PIN credit cards. Plus, there's no annual fee for the first year and no balance transfer fee with the Breeze Mastercard®. Other fees and charges, T&Cs apply. When you make purchases with your Target Debit Card, Target Credit Card or Target™ Mastercard® https://www.target.com/redcard/credit-card-application.

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The Target REDcard: How to Pay Your Mortgage With a Credit Card and Meet Minimum Spends


[UPDATE 5/12/2015:  You can no longer load your REDcard with a credit card.  HOWEVER, you can still load your REDcard with gift cards.

All you have to do is follow Steps 1-5, skip Step 6, and then follow steps 7-8.]

The Target REDcard (frequently referred to as a “Redbird” card due to it’s similarity to Walmart’s Bluebird card) is far and a way the best tool for anyone who wants to:

  • Meet a minimum spend requirement on a credit card.
  • Pay bills that you can’t usually pay with a credit card (mortgages, student loans, rent, taxes, etc.).
  • Or simply earn extra frequent flyer miles and points on your credit card.


Because it’s easy, and most importantly, totally free!

Here’s exactly how to do it:

Step 1:  Find a Target that sells REDcards

The first step is actually the hardest, and that’s because at the moment only certain Target stores sell the Prepaid REDcard.

Target is slowly rolling it out to more and more stores, but it’s still in its infancy.

To check which stores currently sell Target Prepaid REDcards, click here.

If a Target near you sells Prepaid REDcards, great!  Skip to Step 2.

If you don’t see a store near you listed, I’d call ones in your area and ask if they have them.

Make sure you are asking for the Target Prepaid REDcard. Stress the PREPAID part!

If a Target Near You Doesn’t Have a Prepaid REDcard:

If not, you’ll need some help to getting one.  Here’s how to do that:

  • 1.  Find someone who lives near a Target who will purchase you one.
  • 2. When that person goes to Target, have them buy an extra one for you (or many extra for multiple people).
  • 3.  When it comes time for the person to enter the birthday or social security number, they can either enter your information or enter fake information.  It doesn’t matter, because you’ll have to enter your real information when you register it later.
  • 4A.  Have them send you the temporary card in the mail OR
  • 4B.  Have them open the REDcard and tell you the card number and the security code on the back.

Step 2:  Buy the temporary Target Redcard

When you buy the card at Target, it’ll be a temporary card.

There are a few options, so make sure you get the Prepaid REDcard.  It looks like this:


DO NOT BUY A TARGET DEBIT CARD OR TARGET CREDIT CARD!  Get the Prepaid REDcard pictured above.

At the register, you’ll go through this process:

  1. When asked how much you want to load – Make sure to load at least $1.  You can load up to $500.  Personally, I loaded the max ($500) so I could get more points.
  2. Hand your driver’s license to the cashier.
  3. Enter your birthday, social security number and phone number on the keypad.

Step 3:  Register Your Temporary Redcard

If you have an existing American Express Bluebird card or Serve account you have to close that before you can register your Redcard.  You aren’t allowed to have both.

Take your temporary REDcard home and open it.

Then, go to https://secure.prepaidredcard.com/manage?intlink=us-serve-partner-target-launchmain-uppermanage

Click register.

Remove the sticker from the front of your temporary REDcard.

Enter the 15 digit card number and 4 digit security code that is on your REDcard.  Then enter your birthday.

After that, you’ll be prompted to enter all your information.

If you had someone else buy you a Target REDcard, make sure to enter YOUR information. 

You’ll get a confirmation screen saying that your permanent card is on its way.

Step 4:  Use Your Temporary REDcard OR Wait For Your Permanent Card

If you want, you can use your temporary card (which only has the money you initially loaded on at Target) wherever American Express is used.

Your temporary Redcard cannot be reloaded, used at ATM’s, or used for online functions like paying bills or sending people checks.

To do all of that, you have to wait until you get your permanent card.

For that reason, I recommend that most people just wait the 4-7 days it takes to get their permanent card in the mail to start using it.  This cuts down on any confusion.

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Step 5:  Get Your Permanent REDcard in the Mail and Activate It

Once your permanent card arrives in the mail, you’ll have to activate it.

You can do it by calling 1-855-306-7395 or by going to target.com/prepaidredcard/activate

Now that it’s activated, it’s time to move on to the good stuff!

Step 6:  Load Your REDcard at Target with a Credit Card

This is the easy part.  Just take your permanent REDcard to Target and ask them to load it at the cash register.  Here’s what’s crazy:

You can load it with a credit card, and it doesn’t cost a thing!

Currently, you can load $2500 per day and $5000 per month.

If you have a credit card that you need to make a minimum spend on, this is a great way to do it.  You can knock out $5000 in just two days.

If you’re not trying to make a minimum spend, just pick the credit card whose points you want to earn and use that to load the REDcard.

Make sure you’re picking the type of points that are most valuable (you can see my rankings of the best and worst frequent flyer miles here).

Step 7 (Optional):  Load Your REDcard at Target with Gift Cards

Want to get really crazy?  You can also use gift cards to load the REDcard.

Why is this important?

Because you can earn even more frequent flyer miles and points!

For example:

If you have the Chase Ink Plus card, you’ll earn 5x per $1 spent at office supply stores.

That means that if you buy a $200 Visa gift card at Staples or Office Depot, you’ll earn 1,000 Chase points.  Buy the gift card that looks like this:

Visa Gift Card

Then, you can take that gift card and use it to load your Redcard instead of using your credit card to load your REDcard.

But why stop at one?

If you buy $5,000 worth of Visa gift cards from Staples (the amount that you can load on your REDcard each month), you’ll earn 25,000 Chase points per month.

25,000 Chase points are enough for one roundtrip ticket anywhere in North America on United!

Each $200 Visa gift card costs $6.95 to purchase.  So, you’re paying $6.95 for 1,000 Chase points.

If you extrapolate that out, you’re paying:

  • $173.75 for 25k Chase points – a roundtrip flight in North America
  • $417 for 60k Chase points – a roundtrip economy flight to Europe
  • $556 for 80k Chase points – a roundtrip economy flight to Australia, NZ, or SE Asia

If you know how to use frequent flyer miles effectively – especially if you are taking advantage of stopovers and open jaws to get 2 vacations for the price of 1– this can be an incredible deal.

Step 8:  Use Your Online REDcard Account to Pay Any Bill

Now that you have funds in your REDcard account, you can easily pay any bill you’d like from this account – including things like your mortgage, rent, student loans, or any other big expense that doesn’t normally accept credit cards.

That’s because you’ll be sending a check from your REDcard account, and almost everyone accepts checks!

If you’re struggling to visualize this, just think of your REDcard account as a bank account.  It operates in the same way as a regular online checking account – it just happens to be tied to Target.

Here’s how to do it:

  • Login to your REDcard account
  • Go to Pay & Transfer and hit the Pay Bills button on the dropdown.


  • Hit Pay a Bill on the next screen.


  • Pick whether you are paying a business or a person (if it’s a mortgage or student loan, they may have your company preloaded in the business part).



  • Enter the information.  If it’s a person, you won’t have an account number.  Hit “Save and Pay”
  • On the next screen, enter how much you want to pay, then you’ll hit “review”.
  • On the last screen, you’ll have to enter the PIN you set when you registered the card.
  • After that, hit “submit” and a check will be sent to whoever you are paying!

Step 9:  Repeat Each Month and Rake in Points

Every calendar month, you’ll be able to add $5,000 on your Redcard.

As long as you have a Target near you, this is by far the easiest way to rack up miles and points and it doesn’t cost a cent.

If you did this for a year, you’d have 60k extra points, which is enough for a free roundtrip ticket to Europe!

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A Few Frequently Asked Questions

1.  Do you know where I can get a Target Redcard?

Click here to see where they are sold.  If you don’t see a store near you, make sure by calling and asking if they sell Prepaid REDcards.

2.  Do you know when all Targets will start selling REDcards?

No idea.

3.  Do you know when or if Targets will stop allowing us to load REDcards with credit cards and gift cards?

Nope, but I imagine they won’t let it go on forever.  I’d take advantage of it as much as you can while it’s available.  Personally, I’m loading the $5,000 a month max each month.

4.  Can someone else buy me a Prepaid REDcard?

Yes.  If you know someone who lives near a Target, they can buy you one.  Then, have them either send you the temporary card in the mail or give you the card number and security code.  After that, you can register it online and get a permanent card sent to your home address.

4.  Is buying Target REDcards for other people illegal? 


5.  If I’m going to buy more than one for other people, what should I say?

I simply told the cashier that I lived in Philadelphia and had driven all the way down to Maryland to get them because we didn’t have them up there yet.

I then said that my friends and family had heard about the REDcard and wanted them as well and that I was buying some for them too.

She totally understood and said she realized that only a few places had the REDcards and that it was nice of me to do that for others.

6.  If someone else buys me a REDcard, do I need them to actually send me the temporary card?

No.  They could open it up, give you the card number and security code, and you could “register” for your permanent card without ever actually having the temporary one in your possession.

7.  How much can I load at a time?

$2,500 per day and $5,000 per month.  You can only load $1,000 per swipe of your card, so if you are loading $2,500, you’ll have to ask the cashier to do it three separate times ($1k, $1k, $500).

Final Word(s)

The Target REDcard is an absolutely amazing way to meet minimum spends, get points for paying bills that you can usually pay with a credit card, or just rack up points very easily.

I highly recommend you start doing it as soon as possible, as there is no telling how long it will last.

And if it sounds a little confusing, trust me, it’s not.  As soon as you do it once, you’ll realize how easy it is.

I get it, frequent flyer miles can be complicated and confusing.  2 years ago, I created Frequent Flyer Bootcamp to personally walk you through each and every step.  Now, hundreds of people are traveling the world for (almost) free.

You’ll learn everything you need to know in less than one month, and we even have the one and only $1,000 guarantee.

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If you liked this post, then you’ll love these as well:

Источник: https://extrapackofpeanuts.com/target-redcard-pay-mortgage-with-credit-card/

Target REDcard Store Rewards Credit Card Review

Target REDcard credit card

As the second largest discount store in the United States, millions of shoppers find everything they need from clothing to food, electronics, and other household items at Target stores.

Target offers a few different card options, a debit card, a store card, and a Mastercard, which is currently not available to new applicants.

While Target stores and its credit cards have gone through a few changes in recent years, the store’s popularity is still as strong as ever.

If you’re considering one of the two Target REDcards (one is a credit card and the other is a debit card) that are available, here’s how they compare to other rewards credit cards.

Key card features:

  • No annual fees
  • 5% discount on Target and target.com purchases
  • Free shipping on Target purchases
  • Extended return period

Target RedCard Debit vs. Credit

Target offers a debit card that you can use for Target purchases and pay directly from your checking account.

You can use the Target credit card as you would any other credit card, but only at Target stores.

Although it would seem just as easy to use your bank debit card in place of the Target debit card, there is a difference.

The Target store debit card includes many of the same benefits you get with the credit card when you use it for your Target purchases, which can add up to a large amount of savings that you won’t get by simply using your checking account.

Target Credit Card Rates and Fees

Target Credit Card™ Rates and Fees
Annual Percentage Rate (APR) for Purchases24.40% This APR will vary with the market based on the Prime Rate. If approved for an account, see the temporary credit card receipt for the current variable APR.
How to Avoid Paying InterestYour due date is at least 25 days after the close of each billing cycle. You will not be charged any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest ChargeIf you are charged interest, the charge will be no less than $1.00.
Annual FeeNone
Returned PaymentUp to $27
Late PaymentUp to $38

How to Apply for a Target Credit Card

You can apply for a Target credit card at Target.com and in most cases, get a reply within seconds. You will need to have your checking account information handy if you apply for the debit card.

Another major difference between the two cards is you won’t be denied the debit card as long as you have the necessary information.

Be ready to provide your checking account information, Social Security number, and government-issued ID. You can also apply for either card in-store.

Credit Score for Target Credit Card

credit scores

Because the Target credit card is a store card, you may be able to qualify with a lower credit score than other credit cards often require.

Consumers with bad FICO scores in the low 600s and upper 500s  have been approved for the credit card (Also read: What Is Good Credit Score), which is typical of store cards.

If you have had credit problems in the past or you don’t yet have any credit established, store cards like the Target credit card are great for building your credit rating.

If you aren’t able to qualify for the store card, you can still take advantage of similar benefits when you shop with the Target debit card.

If your credit score is below 700, you may find it tough to qualify for other rewards cards, which usually require good or excellent credit ratings.

Target Rewards: Save 5% All the Time

One of the most valuable benefits of both Target cards is the 5% discount you get every time you use the card at Target.

This discount isn’t limited to certain types of purchases or spending and is automatically applied at checkout.

You also don’t have to save up points or cash back. And, you don't have to remember to redeem the rewards.

Of the rewards programs offered with credit cards, this is one of the easiest and most convenient, requiring you to do nothing except use your card whenever you’re at Target.

Better Rewards for Target Purchases with Other Credit Cards

However, there is cash back credit cards that offer rewards for Target purchases.

Citi Double Cash Card

The currently awards 1% cash back on all purchases, and when you pay your bill, you get another 1% cash back.

With this card, you could earn 2% cash back on all purchases, including the ones at Target.

Read Citi Double Cash Cash Editor's Review

Blue Cash Preferred Card from American Express

The  awards 6% cash back at supermarkets.

Although Target is not classified as a supermarket, many consumers have found that if they use the card to purchase Target gift cards at grocery stores, they can effectively earn cash back on their Target purchases.

It is an extra step but, for some people, it is worth it. An additional benefit of the Citi and American Express cards is that they can both be used anywhere and aren’t limited to just Target stores.

Otherwise, most other credit cards cannot compare to the Target REDcard because they don't have a rewards program that offers 5% back at Target.

The reason is that many rewards credit cards exclude superstores such as Target and Walmart from their rewards program.

Even though they may be considered "supermarkets" or "grocery stores," most rewards credit cards won't consider them as such.

Read Blue Cash Preferred Card from American Express

No Annual Fee Target REDCard

Neither Target card has an annual fee so it won’t cost you anything extra to carry the Target cards.

You are able to take advantage of the discounts and benefits when you shop at Target, without paying a fee every year to do so.

On the other hand, rewards credit cards can have annual fees from $50 to $500 per year. You have to figure out if the annual fee is worth the rewards and benefits.

Target Credit Card Rates and Fees

The Target credit card has a high APR, which is typical of store credit cards.

However, you can avoid paying a high amount of interest on your purchases if you pay your balance in full each month within the grace period.

If you use the debit card, you won’t pay any interest because you’re using the money in your checking account to make the purchases.

If you carry a balance from month to month, the interest charges can become expensive. They might cancel out any of the discounts or benefits you get with the credit card.

If this is the case, you’re better off with the Target debit card, or a card with a lower APR that may not offer any rewards or benefits.

In any event, the APR with the Target credit card is one of the highest you’ll find with any credit card, but you can still benefit from the card if you use it the right way.

Again, it is ideal for people who pay off their entire balance every month. Those who have trouble with this commitment should not apply for the Target REDcard credit card.

No Introductory APR or Special Financing Offers

Many rewards credit cards offer 0% introductory APRs on purchases and balance transfers to allow new cardholders a chance to save on a big purchase or transfer from a card with a higher APR.

This type of offer allows you to pay down your balance within a limited period of time at no interest, which can save you hundreds of dollars.

Store cards often provide special financing offers to pay down purchases at 0% APR within a certain period as well.

However, in addition to the high APR with the Target credit card, there is no introductory APR or special financing offer to help you save money.

If you need to take advantage of one of these types of offers, you should consider a card like the Blue Cash Preferred Card from American Express.

It offers new cardholders 0% introductory APR on purchases and balance transfers for 12 months. And, Citi Double Cash offers one of the longest 0% intro APRs of 15 months for purchases and balance transfers.

Target REDcard Benefits and Savings

In addition to the 5% discount you get with the Target cards, you also get free shipping on purchases at Target.com and an extended return period of 30 more days than customers without a Target card.

The free shipping perk will yield the most savings on the small purchases that usually do not meet the minimum spending threshold to get free shipping.

Plus, Target debit card users get the more convenience of being able to withdraw up to $40 when checking out in-store. This benefit is only for Target debit card customers.

Verdict: Should You Apply for the Target REDcard?

If you are a frequent shopper at Target stores, the Target REDcard is a must-have credit card to save money on your Target spending. The same goes for the debit card version.

The upfront savings will remove much of the hassle involved with accumulating and redeeming rewards.

The only credit card that can possibly beat the Target REDcard is the .

However, you'll have to go through the trouble of using it to buy Target gift cards at supermarkets in order to get the 6% cash back, which is just slightly better than the automatic 5% discount from the Target REDcard.

The Target Credit Card is also a great option for those who may have had credit problems in the past or are just starting out and need to build credit

Overall, both cards are hard to beat if you’re one of the millions of shoppers who shop regularly at Target stores.

Continue Reading

Источник: https://www.mybanktracker.com

Target is now offering new RedCard members $50 off a future purchase of $50 or more

RedCard $50 offer: Get a coupon for $50 off an over $50 qualifying purchase when you are approved for a debit or credit RedCard in-stores and at Target.com between 9/12/21 – 10/2/21. The coupon will be mailed to approved cardholders with their RedCard and will be valid through 10/30/21. Excludes alcohol, Apple products, Baby Alive Grow Up Baby, Barbie (Camper, Dreamhouse, Dreamplane, Malibu House and Townhouse), Beats Powerbeats Pro, Beats Solo Pro, Bose, Cards Against Humanity, Casper, The Child action figure, clinic & pharmacy, Cricut, dairy milk, DockATot, Dockers, Disney Frozen Castle, DSLR cameras & lenses, Dyson, Elvie, Facebook Oculus and Portal, face masks (Dolan, Sanctuary & Sugar Fix brands), Fitbit, gift cards, Google, HALO Baby, Hasbro Games (Classic Monopoly, Connect Four, Jenga, Rubik’s Cube, Sorry, Trouble), Hatch Maternity, Hot Wheels Ultimate Garage, HP Inc., Infant Optics, Instant Pot, JBL, LEGO, Levi’s Red Label, LG OLED TV, limited-time designer partnerships, Mega Bloks, mobile contracts, Motrin pain relief, Nerf Ultra, Ninja, Nintendo hardware and Switch games, Polder, Poo-Pourri, Peg Perego, Philips Avent, power shave, power dental, prepaid cards, PlayStation consoles and accessories, Revival, Samsung TVs, simplehuman, Sonos, Sony Electronics, Target Optical, Tempur-Sealy, Traeger, Tylenol pain relief, Unlocked phones, Vera Bradley handbags, Weber, What Do You Meme?, Xbox consoles and accessories, and the Zoe Doll.

Источник: https://9to5toys.com/2021/10/01/target-redcard-sign-up-promotion/

Searching for Call Target Red Card info? You have come to exactly the right place. We collected all data about Call Target Red Card.

Contact Us - Target

    My Target.com Account. Free 2-day shipping on eligible items with $35+ orders* REDcard - save 5% & free shipping on most items see details Registry

RedCard : Save 5% at Target

    When you make purchases with your Target Debit Card, Target Credit Card or Target™ Mastercard® (each, a “RedCard™”) at Target stores or Target.com, you will receive 30 additional days to return the purchases beyond the standard return policy applicable to each of the purchased items.

RedCard™ Benefits & Identity Safeguards : Target

    Target card services is ready to assist you if someone has stolen your identity to fraudulently open and/or used your RedCard account. If you’ve experienced fraud in connection with a Target™ Mastercard ®, Target Credit Card ® or Target Debit Card™, call one of the following numbers to reach a guest services representative: Target Mastercard: 1-800-424-6888. Target Credit Card: 1-800-659-2396. Target …

7 Times You Need to Call Target REDcard Customer Service ...

    Nov 14, 2017 · For a lost or stolen REDcard, call customer service right away at 800-424-6888. Prompt reporting is necessary. You will not be liable for unauthorized use of your Target account if you call immediately. Note that calling is the only way to report a card as lost or stolen.Author: Valerie Rind

RedCard Application - Target

    Free shipping on most items at Target.com* 30 extra days for returns* Online card management; Stack your 5% RedCard savings with Circle™ Offers and Target Subscriptions savings *Seebenefits and program rulesfor details

contact us Target Corporation

    For help regarding your Target.com order, store experience or RedCard: Visit us at Target.com/ContactUs to reach the right team; Call us at 1.800.440.0680; press. If you’re a reporter with a question for Target’s Media Relations department, please contact us using the below options.

RedCard™ Program Rules : Target

    When you make purchases with your Target Debit Card, Target Credit Card or Target™ Mastercard ® (each, a “RedCard™”) at Target stores or Target.com, you will receive 30 additional days to return the purchases beyond the standard return policy applicable to each of the purchased items. Target reserves the right to discontinue or alter the terms of this program at any time.

Target Redcard Credit Card Login - Make Payment, Customer ...

    May 07, 2021 · The user can make payments via phone by placing a call at 1-800-424-6888. Target Redcard Customer Service Number For Payment. The customer service number of Target Redcard is 1-800-424-6888. Target Redcard Credit Card Payment By Mail. You can make the payments via mail also. There is a stub at the end of the billing statement.

Target Customer Service Phone Number (800) 659-2396, Email ...

    Feb 18, 2021 · You can call Target at (800) 424-6888 toll free number, write an email, fill out a contact form on their website www.target.com, or write a letter to Target Brands, Inc, 1000 Nicollet Mall, Minneapolis, Minnesota, 55403, United States.Location: 1000 Nicollet Mall, Minneapolis, 55403, Minnesota

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Target RedCard Credit Card Review

You can only use the Target RedCard at Target’s stores and website, so it’s best for people who are Target regulars. 

While that makes it less appealing as an everyday card, the value it provides in discounts, free shipping, extended returns, and exclusive extras could make the card worth it for avid Target shoppers.

  • Generous store discount

  • Free two-day shipping on many items

  • Extended returns and other perks

  • Limited acceptance

  • No traditional rewards program

  • High ongoing APR

Pros Explained

  • Generous store discount: You get a 5% discount on all eligible items purchased at Target stores and on Target.com. Cards from Gap-brand stores, Macy’s, and a few other retailers offer 5% back on store purchases, but few cards outside the retail realm provide ongoing 5% rewards.
  • Free two-day shipping on many items: Most Target.com shoppers need to order at least $35 worth of items to qualify for free shipping, and even then, it’ll take three to five days to arrive. With the Target RedCard, you get free standard shipping on most items and free two-day shipping on select items. 
  • Extended returns and other perks: Cardholders qualify for an extra 30 days on top of Target’s regular 90-day return period. You also get 10% off Hotels.com purchases, early access to select products and promotions, and more.

Cons Explained

  • Limited acceptance: The Target RedCard can only be used at Target stores and on Target.com. While this setup is relatively common for store credit cards, there are some that offer the ability to use the card elsewhere.
  • No traditional rewards program: The card provides a 5% discount on eligible Target items, but doesn’t offer rewards that you can accumulate over time and redeem for cash back or travel or merchandise. 
  • High ongoing APR: The card doesn’t offer an introductory 0% APR promotion, and has no special financing promotions like some other store cards offer. Its ongoing variable APR is on the high side, so it’s best to avoid carrying a balance.

How to Get the Most Out of This Card

The card offers its 5% discount on more items than not, but it’s important to know what’s not eligible to maximize the value of the perk. You won’t get discounts on:

  • Prescriptions
  • Over-the-counter pharmacy items
  • Eye exams
  • Gift cards and other cash-like purchases
  • Alcohol purchases in Indiana 
  • Gift wrap and handling fees at Target.com
  • Wireless protection program purchases and mobile carrier deposits

Also, remember that the card’s free two-day shipping perk doesn’t apply to all online orders. If you need an order fast, check the item’s page to make sure it’s eligible for two-day shipping and order it before the cutoff time.

Customer Experience

TD Bank doesn’t offer a mobile app for the Target RedCard, so you’ll need to do all your account management online. You can, however, add your card to the Target app and use your phone to check out instead of needing to have your card on hand. 

You can pay your bill online, in-store, by phone, or through the mail. You have to make your online payment by 5 p.m. Central Time for it to post the same day, but payments you make at a Target Guest Services desk will post the same day, no matter what time you make the payment.

If you have questions about your account, you can call customer service or use Target’s online support chat.

Security Features

Target employs fraud protection processes to monitor card activity and may contact you to verify purchases that look suspicious. As with many other credit cards, you will not be liable for unauthorized use of the card. But even if you call to report fraudulent activity, you must also follow up with a written statement.

Target RedCard Credit Card’s Fees

The Target RedCard Credit Card has few fees and none of them are out of line with industry standards.

Источник: https://www.thebalance.com/target-redcard-credit-card-review-4707700

How to Apply for a Target Credit Card

The Target RED credit card is a familiar sight to Target shoppers. The line of REDcards available from Target include a debit card and a credit card, the Target Mastercard. Target rewards all cardholders with discounts, free shipping, extended return periods, and advance notice on sales and other events. Customers who have a Target store credit card reap the additional benefit of paying for purchases over time. Here’s what you need to know about how to apply for a credit card with Target.

Applying for a Target Credit Card

The debit card approval process includes verifying an applicant’s identity and bank information. Target credit card applicants must also meet credit and income requirements. You can submit a Target REDcard application online, by mail or in person. TD Bank will issue your card after your application has been approved. Here are three ways to apply for a Target credit card:

Apply Online for a Target Card

You can easily apply for a Target credit card online. Take advantage of this convenient option and follow these steps to apply online:

1. Gather your Social Security number, driver’s license, state ID or military ID number, and gross annual income.
2. Navigate to the Target credit card application page at Target.com.
3. Complete each page by entering the required information, and click “Continue.”
4. On the last page, click “Submit” after reviewing your information.

How to: Shop at Target — Without Buying the Whole Store

Apply in Person for a Target Card

You can apply for a Target credit card in person at your local Target using the steps below. Be sure to bring your driver’s license.

1. Navigate to Target’s Find a Store page, then enter your ZIP code or city and state to find your nearest store location.
2. At the store, have your driver’s license handy.
3. Visit a store cashier and ask to apply for a Target REDcard.
4. Give the cashier your license, and receive instant credit approval if you qualify.

Learn: All the Benefits of the Target REDcard

Apply by Mail for a Target Credit Card

A third way to apply for a Target REDcard is by mail. Here’s how to find and submit a paper application for a Target REDcard:

1. Get a paper Target REDcard application from your local Target store or navigate to a downloadable PDF version by clicking the “Apply by Mail button” on the Target REDcard website homepage.
2. Read the information page to review the card’s annual percentage rate, late- and returned-payment penalties, and other conditions of applying for and using the card.
3. Complete the application in its entirety.
4. Mail the application to Target Card Services, to the address printed on the form.

By submitting a credit application, you give Target and TD Bank permission to look at your credit reports and verify your salary and employment information. Because decisions are based on creditworthiness, not all applications are approved. You can check the status of your application calling by Target Guest Relations at 800-440-0680 and selecting the option for questions about Target debit and credit cards.

If your credit application isn’t approved, or if you prefer not to use credit, consider applying for a Target debit card. Whereas the Target credit card is useful for those who prefer to pay with credit, a Target debit card might be more appropriate if you want the option to withdraw cash at Target checkouts.

Keep Reading: Best Store Credit Cards

Источник: https://www.gobankingrates.com/credit-cards/retail/how-apply-target-credit-card/

How to Apply for Target Credit Card

How to Apply for Target Credit Card

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For those who regularly shop at Target, a store credit card, also known as a REDcard, can bring plenty of benefits. You'll get 5 percent off every purchase, both on the website and in stores, as well as cardholder-exclusive offers, such as early access to certain products and special promotions. To apply for a Target credit card or Target debit card online or by mail, go to target.com/redcard and either apply there or print out the application. In-store, go to the customer service desk to apply.

Apply for a Target.com REDcard

You can get a REDcard in two varieties: Target debit card or credit card. The debit card requires you to grant permission for the card issuer to immediately debit your bank account for any money you spend. It's a great way to get discounts without having to worry about paying a bill or racking up interest and late fees. The credit card version will result in a bill each month, plus 25.15 percent in interest if you don't pay off the full balance.

There are three major ways to apply for a REDcard: online, in-store or by mail. If you choose the online option, you'll submit your information directly. In-store, simply go to the customer service counter and ask for an application, at which point you'll be approved instantly if you qualify. You can also apply by mail, but that option will take a little longer.

Online or Mail Application

When you choose the Target.com REDcard option, you'll go to Target.com/REDcard and either apply for a credit or debit card. You'll need to provide your Social Security number, driver's license number and information about your income for the credit check. You'll then submit the information and wait for approval.

If you prefer to apply by mail, you can get the Target credit card application on the Target REDcard website. Scroll down until you see the link that reads Apply for Target Debit Card by Mail or Apply for Target Credit Card by Mail. This will take you to the application you can then complete and print out. Mail the completed form to the address on the application by the deadline stated above your signature.

Target REDcard Qualification Requirements

Before you complete a Target credit card application, it can help to do what you can to make sure you'll be approved. You'll need to be at least 18 years old and have a reasonably good FICO credit score, preferably 615 or above. You'll also need basic identity verification information, such as Social Security and driver's license numbers.

Since the Target debit card isn't relying on you to pay a bill, though, the requirements are a little less strict. You can apply as young as 16 years of age, for instance, although you will still need to provide your Social Security and driver's license numbers. You'll also have to connect the card to your checking account, which will be verified before you can use your card.

Benefits of a REDcard

In addition to the convenience that comes with using the card in-store and on Target.com, REDcards have extra benefits that may make it worth your while. They include:

  • Five percent off most purchases online and in-store
  • Five percent off Target-based Starbucks purchases
  • Five percent off gift cards and certain subscriptions
  • Early access to special promotions and certain products
  • Free two-day shipping
  • A 30-day extension on returns

Target Credit Card Application Approval

Whether you complete a Target credit card application online, in-store or by mail, Target will run a credit check and verify your salary and employment information. Your creditworthiness will determine your credit card approval. If you apply and don't hear anything, you can call 800-440-0680 to check on it. If you're denied for a credit card, keep in mind that you'll get the same benefits from the store's debit card.

Источник: https://www.sapling.com/4530139/apply-target-credit-card
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(2021) Target RedCard - Review of Credit Card offered by Target and TD Bank

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