The main Target credit card phone number
Target's credit card customer service line is 1-800-424-6888. This number handles questions about your Target Credit Card or Target Mastercard account, including billing disputes, payment issues, lost or stolen cards, and account changes.
The line is open Monday through Friday, 7 a.m. to 9 p.m. Central Time, and Saturday and Sunday, 8 a.m. to 5 p.m. Central Time. Wait times are typically shorter early in the morning or mid-afternoon on weekdays.
Have your card number or the phone number associated with your account ready when you call. This speeds up verification and gets you to the right department faster.
Key Takeaways
- Target credit card customer service is reached at 1-800-424-6888, open seven days a week with extended weekday hours.
- You can call about billing problems, payment arrangements, card replacement, address changes, and account questions.
- Having your card number or account phone number ready before calling reduces wait time.
- For fraud or a lost card, you can also reach the automated fraud line 24 hours a day at the same number.
- Target's website and mobile app offer account access and payment options if you prefer not to call.
What you can handle by phone
The customer service team can help with most account needs. You can report a lost or stolen card and request a replacement, dispute a charge you don't recognize, set up a payment plan if you're behind on your balance, update your mailing address or phone number, or ask about your credit limit.
If you have questions about a specific purchase or promotional offer, the representative can look up your transaction history and explain how a promotion applied to your account. They can also walk you through setting up automatic payments or changing your payment due date if Target offers that option on your account type.
The 24-hour fraud line
If your card is lost, stolen, or you see unauthorized charges, you don't have to wait for business hours. Target has a separate automated fraud line available around the clock at the same number: 1-800-424-6888. Press the option for fraud or lost card when the menu appears.
The automated system can deactivate your card when ready and start the replacement process. You'll receive a new card by mail within 7 to 10 business days. If you need to make a purchase before the replacement arrives, the representative can discuss temporary options with you.
Before you call: what information to have ready
Gather these details before dialing to move through the call faster. Have your Target Credit Card or Target Mastercard number, or the phone number you registered with the account. If you're calling about a specific charge, have the transaction date and amount. For billing disputes, have any receipts or documentation related to the purchase.
If you're calling from a different phone than the one on file, have a form of identification ready — the representative may ask for your Social Security number or date of birth to verify your identity. This is a security measure to protect your account.
Other ways to reach Target about your card
If you prefer not to call, Target's website lets you log into your account, view your balance, make payments, and update your information. The Target mobile app offers the same features and sends push notifications about your account activity.
You can also visit a Target store and speak with a cashier or guest services representative, though they may direct you to call the customer service line for account-specific questions. For written correspondence, check your card statement or the Target website for a mailing address.
What to do if you can't reach anyone
If the line is busy or you're calling outside business hours and it's not an emergency, try calling back during off-peak times. Early morning on a weekday — around 7 a.m. to 8 a.m. Central Time — typically has shorter waits than mid-day or evening.
For non-urgent questions, logging into your account online or through the app is often faster than waiting on hold. You can make payments, view your statement, and update your address without speaking to anyone. If you need a response to a written question, some companies offer find messaging through their online portal.
Frequently Asked Questions
What if I'm calling about a purchase I made at Target but not about my credit card account?
The credit card line handles account issues only. For questions about a product you bought, a return, or an order, contact Target's main customer service at 1-800-440-0680 or visit Target.com. Have your receipt or order number ready.
Can I dispute a charge over the phone?
Yes. Call 1-800-424-6888 and explain the charge you're questioning. The representative will document your dispute and may ask for details about the transaction. You'll receive written confirmation by mail, and the investigation typically takes 30 to 60 days.
How long does it take to get a replacement card?
Standard replacement cards arrive within 7 to 10 business days. If you need a card sooner, ask the representative whether expedited shipping is available — some accounts may have access to for faster delivery at an additional cost.
What if I'm calling from outside the United States?
The 1-800 number works only from within the U.S. If you're calling internationally, check your card statement or Target.com for the international customer service number, which varies by country.
Can I set up a payment plan if I can't pay my full balance?
Call the customer service line to discuss your situation. Representatives can explain your options, which may include a payment arrangement or information about hardship programs, depending on your account status and Target's current policies.