Where to send your Target credit card payment
You can pay your Target credit card bill online through your Target account, by phone, by mail, or in person at a Target store. The fastest and most common route is online through Target.com or the Target mobile app — you log in, go to your account settings, and make a one-time payment or set up automatic payments from your bank account.
If you prefer to call, the customer service number is on the back of your physical card or on your monthly statement. A representative can take a payment over the phone using your bank account or debit card. Payments made online or by phone typically post within one business day.
You can also mail a check or money order to the address listed on your statement. Mail payments take longer — usually 7 to 10 business days to post — so send it early if your due date is approaching. Some Target locations accept in-person payments at the customer service desk, though this option is less common and you should call your local store first to confirm.
Key Takeaways
- Online payment through Target.com or the Target app is the fastest method and posts within one business day.
- You can set up automatic payments from your bank account so your bill is paid on the same date each month without you having to remember.
- Phone payments work if you do not have online access, and a representative can process them when ready during business hours.
- Mail and in-person payments are options but take longer to post, so use them only if you have time before your due date.
Setting up automatic payments to avoid late fees
Automatic payments remove the risk of forgetting your due date. When you set up autopay through your Target account, you choose the date each month when the payment should come out of your bank account. You can set it to pay your full statement balance, a fixed amount, or just the minimum payment — though paying more than the minimum saves you money on interest.
To set up autopay, log into your Target account online, find the credit card section, and look for "Manage Autopay" or "Automatic Payments." You will need your bank routing number and account number. Once it is set up, you can change the payment date or amount anytime, or pause it if you need to make a manual payment instead.
If you miss a payment important date, Target charges a late fee — the amount depends on how late you are, but it typically ranges from $25 to $35 for the first late payment. Missing a payment also reports to credit bureaus and can lower your credit score. Autopay prevents this by ensuring your payment goes through on time every month.
What happens if you cannot pay the full balance
If you cannot pay your full statement balance by the due date, pay at least the minimum payment to avoid a late fee and credit damage. The minimum is usually 1 to 3 percent of your balance, and Target lists it clearly on your statement and in your online account.
Any balance you do not pay carries over to the next month and accrues interest. Target's credit card interest rate (called the APR, or annual percentage rate) varies by person and current market conditions, but it is typically between 18 and 27 percent. This means if you carry a $500 balance, you will owe roughly $7.50 to $11.25 in interest the next month alone.
If you are struggling to pay, contact Target's customer service before your due date. They cannot erase the debt, but they may discuss options like a temporary lower payment or a hardship plan. It is better to call and explain your situation than to miss the payment entirely.
Understanding your statement and due date
Your Target credit card statement arrives monthly and shows your opening balance, all purchases you made that month, any payments or credits, your new balance, and your due date. The due date is usually the same day each month — often the 15th or 25th, depending on when your account opened.
The statement also breaks down your interest charges, minimum payment, and any fees you were charged. If you do not recognize a charge, you can dispute it through your online account or by calling customer service. Disputes must be reported within 60 days of the charge appearing on your statement.
You can view your statement online anytime through your Target account, even before the paper copy arrives. This is useful if you want to check your balance or due date without waiting for the mail. You can also set up email or text reminders a few days before your due date.
Payment methods and processing times
| Payment Method | How to Use It | Processing Time |
|---|---|---|
| Online (Target.com or app) | Log in, go to account settings, enter payment amount | 1 business day |
| Phone | Call customer service number on back of card | 1 business day |
| Send check or money order to address on statement | 7 to 10 business days | |
| In-store | Visit customer service desk at Target location | 1 to 2 business days |
| Automatic payment | Set up through online account to recur monthly | 1 business day on chosen date |
Paying off your balance faster to save on interest
If you carry a balance, paying more than the minimum each month shortens how long you owe money and cuts the total interest you pay. For example, if you owe $1,000 at 22 percent APR and pay only the minimum (usually around $25), it will take you roughly three years to pay off and cost you about $700 in interest. If you pay $100 per month instead, you will be debt-free in about 11 months and pay roughly $120 in interest.
You can make multiple payments in a single month if you want to pay faster. Some people make a payment right after they use the card, or split their payment in half on the 1st and 15th of each month. Each extra payment reduces your balance sooner and saves interest.
If you have other debts with higher interest rates — like a personal loan or another credit card — it may make sense to pay Target's minimum while you tackle the higher-rate debt first. But if Target's rate is your highest, focus extra payments there.
Frequently Asked Questions
Can I pay my Target credit card with a different payment method, like PayPal or Apple Pay?
No, Target does not accept PayPal, Apple Pay, or other digital wallets for credit card payments. You must pay through your Target account online, by phone, by mail, or in person. You can use a debit card or bank account when paying by phone, but the payment itself must go through Target's system.
What if I pay after the due date — will I get charged a late fee?
Yes. Target charges a late fee if your payment arrives after the due date. The fee is typically $25 to $35 depending on how late you are. The late payment also reports to credit bureaus and can lower your credit score. If you are a day or two late, call customer service to ask if they will waive the fee as a one-time courtesy.
Do I have to pay the full balance, or can I pay just part of it?
You can pay any amount as long as it is at least the minimum payment shown on your statement. Paying more than the minimum reduces your balance faster and saves interest, but you are not required to pay the full balance in one month.
How do I know if my payment went through?
Online and phone payments show a confirmation number when ready. Check your Target account within one business day to see the payment reflected in your balance. For mail payments, allow 7 to 10 business days and then check your account. If a payment does not show up after the expected time, call customer service with your confirmation number.
Can I change my due date to a different day of the month?
Yes. Log into your Target account, find the credit card section, and look for "Change Due Date" or similar option. You can usually move your due date to any day between the 1st and 28th of the month. This is useful if your paycheck arrives on a different date or if you want to align it with other bills.