How to Make Target RedCard Payments
Shopping tips
What are Target RedCard Payments for?
The number one thing you should know about the amazing RedCard is that it will save you 5% on your purchases at its store. This 5% savings applies to both your in-person purchases and your online purchases. Now, 5% does not sound like a lot initially. However, when you think about how much you spend at Target over the course of a year, it really adds up.
For example, let’s say you go to Target twice per month and spend $100. 5% of that is $5. $5 one time may not be a lot, but throughout the course of the year, that will add up to $120. That money can be used to buy lots of groceries, toiletries, pet supplies, or even something fun to treat yourself with. The store already offers amazing prices, so gettings savings on top of them is an incredible bargain. You can apply for either a credit card or a debit card.
How do I Make a Payment on My Target RedCard?
Depending on which one you sign up for the way that you will pay for them will be different. Debit cards work by immediately withdrawing funds when you make a purchase. Credit cards accumulate expenses and ask you to pay them once a month. One is not better than the other– it all depends on your unique and individual needs.
Online:
Making a Target RedCard online payment is probably the easiest way to eliminate your card balance. All you have to do is log in and navigate to the payment center of the Target website. You can click on schedule a payment to tell the site to pay off your balance.
By Phone:
If you do not have access to the Internet or just prefer to do things over the phone, you can always call in to make a Target RedCard phone payment. Just dial the number above and make sure you have your payment information ready and accessible.
By Mail:
Traditional folk may want to make a Target Bill Payment via the postal service. If this is what you want, all you have to do is save the billing statement that the chain sends you. Then, follow the instructions on the statement and send your payment to the address that it tells you to.
Have you lost the bill that you were sent but still know the amount? That is okay! The address you can send your payment into is Target Card Services, P.O. Box 660170, Dallas, TX 75266-0170. Just remember to include your information with your payment so that the people receiving it know who sent the money and what it is for.
In-Person:
Since you likely are already inside Target a lot, you can try making your Target Red Card payment in-store. This is a good option for people who have some difficulty figuring out how to make their payments. There will be a representative to help you figure everything out.
How to Schedule Your Payment
In order to schedule your RedCard payment, first, you must log in to your account using your username and password. Once you have made it into your account, you can click on the “schedule my payment” link and you will be directed to the page where you can do so. When you make a payment before 5 p.m., the store’s business hours, it will post the same day!
How to Change Your Billing Day
There are a few reasons you may want to change your billing day. Perhaps the day your payments are due comes before the day you receive your paycheck. Or, maybe you are just usually really busy on the day you need to pay and so you frequently miss the deadline. Whatever the case, Target allows you to manage your Target account and adjust the day that your money is due.
Originally, your billing date gets assigned based on what day you sign up for the card. Your payments will be due 25 days after your billing cycle. To change the date, you just have to call 1-800-424-6888 and ask the representative you speak with to change your due date.
How to Avoid RedCard Late Payment Fees
If you do not make your payments online, then you may be subject to late fees. This is true not only for the RedCard but for all types of credit cards. Because there are four different types of Target payment methods, you should easily be able to make your payments on time. If you are someone who easily forgets to make your payment, then it is probably best that you set up your account to automatically make your payments for you. Just look for the auto-pay option when you sign up or have a representative help you over the phone or in person.
Remember that late fees add up quickly. The first time you miss your payment deadline, you will be subject to a fee of $24. After that, your late fee will get raised to $38. You will pay this amount in late fees until you are able to make 6 payments on time in a row. Making late payments can also unfortunately negatively affect your credit score. This can come back to bite you if you are trying to make big purchases, like a car or an apartment. All of this being said, it is best to always make your payments on time. Then, you will be able to experience all of the benefits and none of the penalties.
How Do I Check My Target RedCard Balance
Wondering what your Target RedCard balance is? No problem! It is very easy to check, and there are a few ways you can do so. If you are already in the store, you can just stop by the service desk and ask. Just like making a payment, you can also call 800-394-1829 or check online! Monitoring your balances is a good way to make sure you are saving enough to pay up at the end of the month.
Conclusion
If you have been relentlessly searching “Target RedCard pay my bill” in an effort to figure out how to do so, then hopefully this article has been helpful for you. There are four easy ways to pay your bills, including making your Target RedCard payment by phone, in-person, via mail, or online. Now that you know how to make your payments, you can shop and save stress-free.
