How Target Credit Card Payments Work
You can pay your Target credit card bill online through your Target account, by phone, by mail, or in person at a Target store. Target Credit Card payments go to Synchrony Bank, which issues and manages the card on Target's behalf. The payment method you choose affects how quickly the payment posts to your account and whether you can set it up to happen automatically.
Your bill is due on the same date each month, printed on your statement. If you pay after the due date, you will owe a late fee and interest will accrue on your balance. Paying at least the minimum amount due keeps your account in good standing, but paying the full balance avoids interest charges entirely.
Key Takeaways
- Target Credit Card payments are processed by Synchrony Bank, and you can pay online, by phone, by mail, or in a Target store.
- Online payments through your Target account typically post within one to two business days, while mail payments take seven to ten business days.
- You can set up automatic payments from your bank account to may support you never miss a due date.
- Paying your full balance by the due date avoids interest charges, while paying only the minimum amount due will result in interest on the remaining balance.
Paying Online Through Your Target Account
Log into your Target account on Target.com or the Target mobile app, then navigate to your credit card account. Select "Make a Payment" and enter the amount you want to pay. You will be asked to confirm your payment method — this can be a bank account or debit card linked to your Target account. Online payments typically post within one to two business days.
If you do not have a Target account yet, you can create one using your email address and a password. Once your account is set up, you can link your Target Credit Card and begin making payments when ready. Saving your payment method in your Target account makes future payments faster.
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 account number and the amount you wish to pay, then confirm your payment method. Phone payments typically post within one to two business days, the same timeframe as online payments.
To pay by mail, send a check or money order to the address listed on your monthly statement. Write your account number on the check and mail it to the address provided. Mail payments take seven to ten business days to post, so send your payment at least ten days before your due date to avoid a late fee. Do not send cash by mail.
Paying in Person at Target Stores
You can pay your Target Credit Card bill at the customer service desk in any Target store. Bring your card or account number and the payment amount in cash or debit card. In-store payments typically post to your account within one business day. This option works well if you shop at Target regularly or prefer to handle payments face-to-face.
Not all Target locations may offer this service during all hours, so call ahead or check with your local store if you are unsure. In-store payments are processed by Synchrony, the same company that handles all other payment methods.
Setting Up Automatic Payments
Automatic payments remove the risk of missing a due date. Log into your Target account online, go to your credit card settings, and select "Autopay" or "Automatic Payments." Choose whether you want to pay the full balance, the minimum amount due, or a fixed amount each month. Select your payment date — this can be any day of the month, though choosing a date shortly after you receive income works well for most people.
You can change or cancel automatic payments at any time through your Target account. If you set up autopay to pay your full balance, you will never carry interest charges from month to month. If you set it to pay only the minimum, you will still owe interest on the remaining balance.
Understanding Due Dates and Late Fees
Your Target Credit Card statement shows your due date clearly. Payments must be received by 5 p.m. Eastern Time on that date to avoid a late fee. If you pay after the due date, Synchrony will charge a late fee — the amount depends on your account history and current balance. Late payments also trigger interest charges on your remaining balance at the card's current APR, which varies based on your creditworthiness.
A single late payment can lower your credit score and may cause your interest rate to increase. If you miss a payment, contact Synchrony as soon as possible. Some accounts may be may be able to access for a one-time late fee waiver if you have a good payment history, though this is not may provide.
Frequently Asked Questions
How long does it take for a Target Credit Card payment to post?
Online and phone payments typically post within one to two business days. Mail payments take seven to ten business days. In-store payments usually post within one business day. The exact timing depends on when Synchrony processes the payment and your bank's processing schedule.
Can I pay my Target Credit Card with a credit card?
No, you cannot pay your Target Credit Card with another credit card. You can pay with a bank account, debit card, or cash. Paying with a credit card would count as a cash advance and would incur additional fees and interest.
What happens if I pay more than I owe?
If you overpay, the extra amount becomes a credit on your account and will be applied to your next bill. You can also request a refund of the overpayment by contacting Synchrony, though this may take several business days to process.
Is there a fee to pay my Target Credit Card bill?
No, there is no fee to pay your Target Credit Card bill through any standard payment method. Online, phone, mail, and in-store payments are all free. Late fees only explore if you miss your due date.
Can I pay my Target Credit Card bill before my statement closes?
Yes, you can pay at any time. Payments made before your statement closes will reduce the balance shown on your next statement. Paying early can lower the interest you owe if you carry a balance month to month.