You can pay a Target RedCard bill by calling Target's automated payment line or speaking to a representative
Target lets you pay your RedCard bill over the phone using either an automated system or a live representative. The automated line is available 24 hours a day. If you call during business hours and need to speak with someone, you can do that too. You will need your RedCard number, the amount you want to pay, and a bank account or debit card ready.
The phone number for Target RedCard payments is on the back of your card and in your billing statement. When you call, the system will walk you through entering your payment information. If you choose to speak with a representative instead, they can answer questions about your account balance, due dates, or payment options before you pay.
Key Takeaways
- Target's automated phone payment line is open 24 hours a day, seven days a week, and processes payments immediately.
- You can speak with a live representative during business hours if you have questions about your account or need help with your payment.
- Phone payments are processed the same day if you call before the cutoff time, usually in the afternoon, or the next business day if you call after hours.
- You will need your RedCard number and either a bank account or debit card to complete a phone payment.
- Target does not charge a fee for paying by phone, whether you use the automated system or speak with a representative.
What information you need before you call
Gather these details before dialing so the call goes faster. You will need your Target RedCard number, which appears on the front of your card. Have your current billing statement handy so you know how much you owe and when your payment is due.
You also need a way to pay: either a checking or savings account number with routing number, or a debit card. Do not use a credit card to pay your RedCard bill by phone — Target's system only accepts bank accounts and debit cards. If you are paying from a bank account, have your account and routing numbers ready. If you are using a debit card, have the card number, expiration date, and CVV.
How the automated payment system works
When you call the automated line, the system will ask you to enter your RedCard number using your phone's keypad. It will then confirm your account and show you your current balance. You can choose to pay the full balance, the minimum payment, or a custom amount.
Next, the system will ask you to enter your payment method. If you are paying from a bank account, you will enter your account number and routing number. If you are using a debit card, you will enter the card number and expiration date. The system will confirm the amount and the date the payment will be processed, then ask you to confirm before finalizing the transaction.
Once you confirm, the payment is submitted immediately. You will hear a confirmation number on the call. Write this down or note it for your records. The payment will typically post to your account the same business day if you call before the cutoff time, or the next business day if you call after hours.
Speaking with a representative instead of using automation
If you prefer to speak with someone, you can stay on the line after the automated system starts and ask to be transferred to a representative. Representatives are available Monday through Friday during standard business hours. Wait times vary depending on call volume.
A representative can answer questions about your account, explain your billing statement, discuss payment plans if you are behind, or help you set up automatic payments instead. They can also process your payment over the phone using the same methods as the automated system — a bank account or debit card.
When your payment will post and how long it takes
Phone payments are processed on the day you make them if you call before the cutoff time, which is usually in the afternoon. Payments made after the cutoff or on weekends and holidays will be processed the next business day. Once processed, the payment typically shows in your account within one to two business days.
If your payment is due on a specific date and you are cutting it close, call early in the day to make sure it processes the same day. If you are paying after your due date, the payment will still be recorded, but you may be charged a late fee depending on how many days past due your account is. Check your billing statement for the exact due date and any late fees that may apply.
Other ways to pay your Target RedCard bill
Phone payment is one option, but Target offers other ways to pay as well. You can pay online through your Target account on Target.com, set up automatic payments from your bank account so you never miss a due date, or mail a check to the address on your billing statement.
Automatic payments are useful if you want to avoid calling every month. You can set them up to pay the full balance, the minimum payment, or a fixed amount on a date you choose. Online payments work the same way as phone payments and post within one to two business days. Mailed checks take longer — typically five to seven business days — so mail early if your due date is approaching.
What happens if you miss a payment or pay late
If your payment does not arrive by the due date on your statement, Target will charge a late fee. The amount varies but is typically between $25 and $40 depending on your account. A late payment also shows on your credit report and can lower your credit score.
If you are behind on payments, call Target's customer service line to discuss your options. Representatives can sometimes work with you on a payment plan or explain hardship programs if you are facing financial difficulty. The sooner you contact them, the more options you may have. Ignoring a late payment will not make it go away — it will only add more fees and damage your credit further.
Frequently Asked Questions
Is there a fee to pay my Target RedCard by phone?
No. Target does not charge a fee for phone payments, whether you use the automated system or speak with a representative. You only pay interest on any balance you carry month to month, plus any late fees if your payment is not made by the due date.
Can I pay my Target RedCard bill with a credit card over the phone?
No. Target's phone payment system only accepts bank accounts and debit cards. If you want to pay with a credit card, you will need to pay online through your Target account or in person at a Target store.
What time should I call to make sure my payment posts the same day?
Call before the cutoff time, which is usually in the afternoon. The exact cutoff varies, so if you are paying close to your due date, call early in the day to be safe. Payments made after the cutoff or on weekends will post the next business day.
Can I set up automatic payments over the phone?
Yes. When you speak with a representative, you can ask them to set up automatic payments from your bank account. You will need to provide your account number and routing number, and choose the payment amount and date. You can also set up automatic payments online through your Target account.
What should I do if I do not have a bank account or debit card?
You can pay online using a credit card, or pay in person at a Target store with cash or a card. You can also mail a check to the address on your billing statement, though this takes longer to process.