Where to pay your Target bill

You can pay your Target RedCard bill through three main routes: the Target website, the Target mobile app, or your bank's bill pay system. The Target website and app both let you log into your account and make a payment in minutes. Your bank's bill pay system works differently — you initiate the payment from your bank's website or app, and your bank sends the money to Target on your behalf.

The fastest route is usually the Target website or app, because the payment posts to your account immediately. Payments made through your bank's bill pay system may take one to three business days to reach Target, depending on your bank and when you submit the payment.

You do not need to set up anything in advance to pay online. You will need your Target RedCard number, your account PIN or password, and the amount you want to pay.

Key Takeaways

  • Target's website and app process payments instantly, while bank bill pay takes one to three business days to post.
  • You can pay through Target.com, the Target app, or your own bank's bill pay feature — all three reach the same account.
  • Payments made after 11:59 p.m. Eastern Time may not post until the next business day, even through the Target website.
  • If you miss a payment due date, Target will report it to credit bureaus, so set a reminder or enroll in automatic payments to avoid late fees and interest charges.

Paying through Target.com or the Target app

Log into your Target account on Target.com or open the Target app and tap the account icon. Select "Manage RedCard" or "View Card Details," then look for a "Make a Payment" or "Pay Now" button. Enter the amount you want to pay — you can pay the full balance, the minimum payment, or any amount in between.

Review the payment amount and confirm. The payment will post to your account within minutes. Target will send you a confirmation email with the transaction details and your new balance.

If you do not see a payment option in your account menu, check that you are logged in with the same email or phone number you used when you opened the card. If you still cannot find it, call Target's RedCard customer service at the number on the back of your card.

Paying through your bank's bill pay system

Log into your bank's website or mobile app and find the bill pay or payments section. Add Target as a payee if you have not already — you will need Target's mailing address, which your bank can usually look up automatically. Enter the payment amount and select the date you want the payment sent.

Your bank will mail or electronically transfer the payment to Target. Delivery typically takes one to three business days, depending on your bank's processing speed and whether you chose standard or expedited delivery. The payment will post to your RedCard account once Target receives and processes it.

Bill pay through your bank is useful if you want to schedule payments in advance or if you prefer to manage all your bills in one place. However, because of the delay, you should submit the payment at least three to five business days before your due date to avoid a late payment.

Setting up automatic payments

Both the Target website and the Target app let you set up automatic payments so you do not have to remember to pay each month. Log into your account, find the payment or billing settings, and look for an option to "Set Up Auto Pay" or "Automatic Payments."

You can usually choose to pay the full statement balance, the minimum payment, or a fixed amount each month. Select the due date or the date you want the payment to come out of your account. Target will process the payment automatically on that date each month.

If your balance changes or you need to skip a payment, you can turn off automatic payments or edit the amount at any time through your account settings. Automatic payments reduce the risk of missing a due date, which helps you avoid late fees and protects your credit score.

What happens if you miss a payment

If your payment does not arrive by the due date shown on your statement, Target will charge a late fee. The amount of the late fee depends on your account terms, but it is typically between $25 and $40 for the first late payment. After 30 days past due, Target will report the late payment to the three major credit bureaus — Equifax, Experian, and TransUnion — which will lower your credit score.

If you realize you will miss a due date, contact Target's RedCard customer service as soon as possible. Explaining the situation does not erase the late fee, but it may help if you need to dispute the charge later. Paying the full past-due amount stops additional fees from accumulating.

A single late payment can stay on your credit report for up to seven years, even after you pay it off. This affects your ability to borrow money at good interest rates in the future.

Troubleshooting payment problems

If your payment was rejected or did not go through, check that you entered the correct amount and that your account has sufficient funds (for bank bill pay) or that your payment method is current. If you paid through the Target app or website, try logging out and logging back in, then attempt the payment again.

If you see a payment in your bank account but it has not posted to your Target bill yet, wait one to three business days. Payments made through bank bill pay take longer than payments made directly through Target. You can check the status of a bank bill pay payment through your bank's website.

If a payment posts twice or you see a duplicate charge, contact Target's RedCard customer service immediately with your confirmation numbers. They can investigate and reverse the duplicate payment if it was an error on their end.

Understanding your statement and due dates

Your Target RedCard statement shows your opening balance, all purchases and credits from the billing period, your closing balance, the minimum payment due, and the due date. The due date is usually 21 to 25 days after the closing date of your statement. Payments must arrive by 11:59 p.m. Eastern Time on the due date to avoid a late fee.

If your due date falls on a weekend or holiday, Target typically moves it to the next business day. Check your statement or account to confirm the exact due date for each billing cycle, because it can vary slightly from month to month.

Your statement also shows the interest rate (called the Annual Percentage Rate, or APR) that applies to any balance you carry from month to month. If you pay the full statement balance by the due date, you will not owe interest. If you pay less than the full balance, interest will accrue on the remaining balance at the rate shown on your statement.

Frequently Asked Questions

Can I pay my Target bill with a different payment method?

You can pay through Target's website or app using a debit card, credit card, or bank account. You can also pay through your bank's bill pay system. Target does not accept payments by phone, mail, or in-store at this time, though you can make purchases and use your RedCard at Target stores.

What time of day should I pay to make sure it posts on time?

Payments made through the Target website or app before 11:59 p.m. Eastern Time post the same day. Payments made after midnight may not post until the next business day. If you are paying through your bank's bill pay system, submit the payment at least three to five business days before your due date to account for processing delays.

Do I have to pay the full balance, or can I pay just the minimum?

You can pay any amount between the minimum payment and the full balance. Paying only the minimum keeps your account in good standing and avoids a late fee, but you will owe interest on the remaining balance. Paying the full statement balance by the due date avoids interest charges entirely.

What 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 statement. You can also contact Target's RedCard customer service to request a refund of the overpayment, though this may take one to two weeks to process.

Can I change my due date?

Target allows you to request a due date change through your account settings or by calling RedCard customer service. You can usually move your due date by a few days, but the exact options depend on your account. Changing your due date does not affect your current statement — it takes effect on your next billing cycle.