Target Credit Card Reviews

NEGATIVE 5 rating. I missed a payment by 5 days oversight on my part. Been a loyal Target customer for years. Always paid on time. I missed 1 payment and it was sent to collections days later. If you call CS on your card they automatically forward it to the collection agency who explained to me Target lied. Said I missed 2 payments which I did not!! She even paused and said, "Oh I see you paid July here. Target will not talk until you pay the collection agency then they will stop fwd your calls." There is not minimum time table time limit to send to collections but of course when they did this shit it dropped my score. Don't get this card.

Horrible! I had my credit card number stolen via my app. Someone ordered $150 item to be picked up at another store in my area with me as the pickup person. They picked it up (store did not check their ID) and then returned it 2 hours later. I contacted Target credit card- can't understand the foreign reps. They were supposed to send out a form for me to fill out... it never came (after 14 business days). Had to call them again, finally I got it. They wanted me to send it back to them in the mail with my SSN on the document... uh no!! I faxed it in. I was told that if I didn't pay the bill or didn't pay the bill in full, interest charges would be added on. If the claim was not ruled in my favor then I would be liable for the interest charges. So, I paid the bill in full. The store where the item was fraudulently bought would be involved in determining if my claim was ruled fraud. They said it would take 90 days to review and it took almost 120 days.

Horrible. For some reason I ended up on payment plan of a mere $13 and change per month, for a year! My balance is well below the total balance limit provided and I am unable to use my card until 2027. To top it off, the customer service is horrible.

Been a customer for 24 years and was late with payment after signing up for auto pay due to online issue and they reported me without notification and tanked my credit from 811 to 687. They were not willing to help. I received no notification that it would be reported and thought bills would be auto paid. Custer service is the usual don’t speak clear English hard to understand. It’s just bad all around.

Horrible customer service. Haven’t been there in over 2 years and will never go back. Target should pick a better more ethical bank to do their card.

If ZERO was an option, I’d choose that! Like everyone else, I had missed one payment back in May. They allegedly “lowered” my massive credit limit of $1000 to only $200!! When speaking to their crappy call center (3 calls and 3 different answers) I was pretty much told I needed to have “management review” which can take 2-3 billing cycles. What poor service. My husband worked at the corporate office in Minneapolis (proudly) for over 20 years. He bragged about what a great company he was with. Well I guess those days are gone because you can’t even speak with someone in the US because they are “transfer you call to management or a US call center…”

All I wanted to do was make a payment on my Target RedCard. Instead, I spent hours being passed around to at least eight different people, with no one able to actually help me. I was locked out of my RedCard Manager account, and because I no longer had the physical card in my possession, I couldn't complete a password reset since the system required the card number. I worked through multiple password reset attempts with Guest Services. We stayed on the phone together while trying to update my information, but for some reason nothing would update. Even the representative couldn't figure out why. The problem? She couldn't take a payment. So I was transferred again. The next person couldn't take a payment either. Meanwhile, I ended up with a 30-day late mark on my credit report even though I had been actively trying to pay my bill the entire time. Apparently no one could accept my money.

I have had a Target Circle Card for about a decade. I haven't had any major issues except with this re-branding from the RedCard to the Circle card, I received no communication whatsoever and my on-line log-in no longer works. I've had a clean payment history for the entire decade (have never missed a payment or made a late payment), I recently found on my credit report that I had an outstanding balance on a purchase I made about 4 months ago. I have stopped use my Target card as frequently as there are better credit card rewards on other cards but it was still attached to my Target app. I was never notified by email or mail that I had an outstanding balance.

I reported my Target card statement in Jan for 5 fraud charges. I completed the statement and was expecting the charges to be credited. Got the next statement, they were not credited, so I called again. They said that as the number was entered twice, I was responsible for them, I have never ever charged gift cards and never used Target.com and explained that.

I have had this card since 2019. I have a great credit score, and my income is now in 6 figures. I have never gotten a limit increase since getting the card with a $300 limit back in 2019. I have called and talked to multiple people. They say the system automatically decides who gets an increase and then there's a team there that reviews it. BUT you cannot manually submit a credit increase request. I would like to actually shop at target but it's not worth the 3-minute extra drive to buy items I need on the weekly if I don't get to use their card for points. My recommendation is a hard pass on this card. Get a better card that isn't limited.

I am a new customer. Of TD slash Target credit card. Since my account was opened I had a $300 limit. I have consistently made early in person payments multiple even though I didn't have to. But just recently their online system has some sort of issue so the money was in my bank. Their system crashed and the payment didn't go through immediately. I was hit with a $30 fee to which I messaged and an agent reversed it, which I probably won't ever see she. It'll reflect the next billing statement, but whatever.

Like others, who had their line of credit cut, back in 2020 during the COVID-19 pandemic, I had a $7000 credit limit. I was working full time and had a 2 hour daily commute. I made a $60 dollar purchase and had no other balance. I forgot to pay on time so they cut my limit to $200. I kept the card because a low limit card is great for regular purchases. I stopped shopping at Target. Their card is a reflection of their company. Recently I had a charge by someone in a different state and am in the process of disputing the charge as I was not in the other state, nor did I make the purchase.

If you’re thinking about getting a Target Circle credit card, don’t. It’s the worst service I’ve ever received. I had spoke with someone on the phone after I finally got a real person about them billing me for something I did not buy, and it was straightened out, however, a couple weeks later I received a bill for that amount again! They need to hire a computer programmer that knows what the hell they’re doing when it comes to setting up their billing page. I’m just going to cancel the card. I have plenty of credit elsewhere where I will not be hassle like this.

I paid my card off in full twice in 1 month and did not receive my available credit back. After a week I contacted them and they said they would be released at the end of the week, and it's been 2 weeks and they told me there is a hold on my account until my bank can verify I have the funds even though it cleared my bank the day after payment. Since my bank will not answer questions over the phone unless it comes from my phone number I cannot get this resolved and have to wait. This has already cost me $70 in 5% off rewards at Target. At least if I make a payment on Wal-Mart, Best Buy, or Costco cards I don't get punished.

Target cardholder for 20 years. Have an excellent on time payment history and credit score. Was unable to access their online system to make a payment last year in July. I tried accessing online and could not submit. Tried calling but was unable to stay on hold due to very long wait time. Tried accessing a week later and was locked out. I was finally able to access, but it was over 30 days late. They not only reported the late payment, but slashed my limit from $7000 to $800 that I am now told was due to a reevaluation in July. This has 2 negative impacts on my credit report. The customer contact us option was not available from July to December!?

This is a horrible credit card. TD did not send communication or statements. On my own, I inquired if there was any balance due and, surprisingly, there was a $5 balance and a $6 fee already imposed, which I paid within a month. By that time, the worst thing happened; my credit score went down by exactly 100 points. All this happened in a month. I put in a dispute, but arguments are of no use because the staff is less knowledgeable. Be careful, never ever fall for the 5% offer by Target with this card; it is not worth losing your credit score, especially when they don't even communicate and give you a grace period. Shred or burn any offers you receive. It is the worst, not ethical bank in the US market.

I spent entirely too much time today trying to make a payment online. Yesterday I received my bill with a late charge. On 12/15, I mailed 5 bill payments. 3 checks cleared my bank on 12/19, 1 on 12/22 and the Target check didn't clear until 1/6, a day after the due date. Customer service did remove the late charge when I explained I had allowed plenty of time for the payment to reach them. So, I decided I would pay online today. It took many efforts to log in to my account. I was asked to set up a payment method and I had to do that 3 times before it showed up and it showed up 3 times. I tried to pay my bill and nothing ever happened. I tried several times clicking make a payment, and the screen never changed. Now I get an error when trying to access that website. I downloaded the Target app on my phone and had the same type of issues. I finally just mailed a check and will cross my fingers it gets there before the due date in 3 weeks.

My autopay did not go through for the second month in a row. I checked my payment info, it is correct and my checking account. Immediately they add a $30 late payment fee again, and put threatening notices in my account. Now I have to call again and speak with inept customer service reps. Also, they report immediately (it’s January 2nd, one day after scheduled auto pay). They are infuriating. I am paying card off (minus the late fee) and closing my account. I hate Target anyways. It’s a garbage company.

I had a scam charge from lawdepot.com. Target has given zero customer service that is appropriate-same as all the other reviews. I just spent an hour trying to explain I need interest charges removed because I cannot get ahold of anyone who speaks English. TARGET CARD IS THE NEW SCAM IF YOU ASK ME. I HAVE HAD THIS ISSUE UNRESOLVED FOR 6 MONTHS.

I was scammed a while ago, no receipt given and no product received. I called the customer service line and told them everything. I told them I wasn't give a receipt or anything. They denied my dispute for lack of receipt. How would you have a receipt for a purchase you did not make, or was never provided due to scam practices? I have had this card for 10 years and it has been removed from autopay a few times without my auth. They goes delinquent and they report me promptly. The website isn't very friendly for the card services either.

One of the WORST customer service EVER!!! No one can talk proper English and you get the same run around. No one knows what they are doing and you get different explanations on every call. I made a payment Dec12. It has been 8 days and they still won't release my available credit. I called the customer service number on the 18th, they called MY bank to verify the payment was cleared, which it was and said they would release it. It is now the 20th and they still haven't released my available credit. Called back today, spoke to a supposedly supervisor and she said it was still in the verification process and will take up to TWO weeks, even when they called my bank and verified it was cleared.

My wife opened a new Target MasterCard and purchased $16.37 back in July, 2025. I paid the bill to an old closed Target credit card.on August 18. She got a late bill with interest for late fee $1. I called and got a customer service person I couldn't understand. She started a dispute and forms sent to us. Finally in Sept. 2025 the $16.37 was sent back to her checking account. I call customer service again they said not to pay the $16.37 to another review is complete.i have had to call at least 6 times and 3 hours total with them. I paid the $16.37 on correct account on 12/8/2025 along with sending a Payment Dispute form filled out for the 3rd time.

I use the card only for Target purchases. 3 months ago a non Target purchase of $20 appeared on my account. I reported and called customer service at least 3 times. He said it’s under investigation and will take 3 months. Today I received a statement still showing fraudulent charge of $20.

Target credit card customer service reps are the most incompetent, rudest people I have ever dealt with! I have been trying for months to advise them that when I log into my target account to make a purchase and the system asked for my phone number as 2nd level verification, it comes up with an email address that does not belong to me and I want to know they got that email address and to remove it from my account. They advised me I need to change my phone number. Then they still have an old card online that I replaced due to fraud and told me that I need to remove it, not them.

Even after calling before traveling and notifying Target Red Card/Mastercard that we would be traveling outside of our resident state, attempts to use the card outside the state were declined. When customer service was called AGAIN after attempted charges were declined, "Mart" - the person who spoke in heavily accented English (which was difficult to understand) -- seemed to take great delight in not being able to help me whatsoever. He told me I could file a complaint but could not transfer me to a supervisor or manager and instead said I would have to call the customer service number again as he could not file a complaint against himself. He could not give me a telephone number for a manager or supervisor, either.

Target Red Card login is one of the stupidest interfaces or app I have seen. There are no direct way. First login in to target and then to your card (each of them have their own passwords) and then have to pay. In addition, there are no mobile apps available. Frustrating experience paying bills

They will never notify the billing cycle. Every time, we need to manually login to RedCard and see the payment due date. Accidentally, I didn't checked my 11$ amount, they charged me 25$ every month without even notifying me, after 2 months when I have checked and realized, they charged me 50$ missing payments and my credit score dropped 70 points from 810 to 740.

I have been a RedCard holder for years and never carry a balance. I hadn't used my Target card for months, but when I went through a drive-through for coffee, I had to use it because I had misplaced my other credit card. The total was $12.00. I forgot all about it and 2 months later received an alert from a credit bureau that I had a "Serious Delinquency". I understand that this was my error, but truly it was an oversight on my part. When I contacted Target Corporate, they would not take any action for me. It was a HUGE hit to my credit profile. I explained my situation, that I have not had a late payment ever and have a great credit rating, but they were not willing to work with me. Needless to say, I will never shop at Target again.

Quite awful. Desires no starts. Unable to resolve issue of sudden inability to verify Redcard both online and on app. They seem to think the only solution is to send me a new card. That's not acceptable. Also, what moron thought it was a good idea to have a 4 measures of bouncy chimey kids TV type "music" repeat endlessly for people on hold wasn't thinking about how incredibly irritating that is to listen to and that this only serves to aggravate and annoy callers who are generally going to be quite frustrated with Target anyway. If I weren't already about to leave the country and planning to cancel my account, I would definitely decide to stop doing business with Target over their Redcard incompetence.

I called target card Customer service about fraud charges on my account since May. It required me to send back the questionnaire letters so I did it. Now, it said that it doesn't receive my letters. It will not start to investigate on fraud if it doesn't receive the letter. It has been almost 3 months already and I keep calling the customers service multi times. It continues to send me the bill with late fees and interest charges. I don't know what to do with it, if I pay for the fraud charges that means I purchased it? Now, the amount of bill higher than the beginning of the fraud. Moreover most of the time the Fraud DEPARTMENT is handled by overseas contractors not by US, it doesn't work.

I had unauthorized use of my Target MasterCard, and they were done out of state, reported this and the process can take 90 days! It has been 45 days and so far they have only refunded 1/2 the amount. I have other credit cards and have never had such a long wait for fraud charges. I have switched shopping to Meier, and plan to never shop at or use Target MasterCard again.

I'll admit my errors first of failing to pay due to emergency hardships. Due to this, I knew I'd have to close my Target credit account, so I eventually did. I paid off all my debt in full, closed the account, and I thought that was that. A month later, I get my credit report and it says I still have a little over $1,000 that's past due for my Target credit card. Although it was only a month after, I just now saw this today, which is three months AFTER the "past due" statement. I got no emails, texts, calls, or written letters from target or credit reports, just nothing. No notification that I was past due, no notification that I owed anything, not even a method of how I should pay it since they said it went to collection, but I never even received any notice from a collection agency regarding this payment.

Target Red card is updated and known as Target Circle Credit card. The issue I have is when you are first approved for the card, they allow you to purchase items in-store or online, yet what they don't tell you is that they charge an irrational hold charge to make sure funds are on the credit card, even though they know it is. This isn't transparent, and when I called Target credit card services and Target Corporate, they refused to provide proof or what the preauthorization amount was. I rate Target negative 100 stars for not having transparency.

I've had this Target Red Card for years now. Great card for the benefits. But!!! The payment system is one of the worst. It is by far the most difficult to use. I am trying to login now and cannot. Also, My FICO score was over 800-850 for the past 10 years. Due to their awful system I was late on a payment. I had set up auto payments and somehow they updated service I needed to opt back in. Well... My credit score has dropped 100 points, they were no help. Tough one. Nothing I can do but write this. Clean up your act. We love Target but paying the bill has been truly difficult. I have 4 other cards and I don't have any issues with their interface. Cheers!

I’ve had the Target RedCard for years, and lately, the experience has become incredibly frustrating. Nearly every transaction is denied, even for regular purchases I’ve made in the past. They send a text asking you to confirm it’s you, and even after replying “YES,” you still have to call them. When you do call, they ask for extremely personal information — including your checking account details. I understand security protocols, but this goes way beyond that. After confirming my identity through email, address, and other personal info, they continued pressing, and a supervisor even started questioning whether my purchases were for business.

Target credit card is the worst card ever, I would not recommend even to an enemy! I am single mom juggling with two jobs missed one payment and it was not only reported but they slashed my credit limit from $7000 to $500 without even a notification! This impacted my score so badly that I have no words to explain! God forbid you miss one payment, you are screwed for 7 years! Unbelievable! Their customer service is even worse! No wonder Target has such bad reputation!

There was a $50 rewards on your first $50 purchase within 60 days of opening the account. It's been over 90 days and I did not receive any reward or coupon. When I called up the customer care they said because it was beyond 60 days, they cannot do anything. It was my fault that I did not follow up with 60 days. Then had to wait 15min to cancel the card and the customer care agent was equally rude.

Terrible customer service. I received a statement for my monthly fees. I happened to pay it the same day I received the statement but it wasn’t applied to my minimum balance. So now I’m having to have them refund me and I have to repay it before the due date. They are having to mail me a check but they can’t send it back to my bank account. They shouldn’t send out the statement unless it is ok to make the payment!

FUMING. Traveling for work and went to use my card & it was declined twice. Look up my account and get a notice of trying to collect delinquent payment? Look back & I had made my on time payment 8 days prior. I go ahead and make an additional payment & call customer service number. They try and tell me that back in February my payment was received late (2 Days) so this was an attempt to collect that??? Mind you it is May now, I COMPLETELY paid my card off February 19th. Used the card for another larger purchase in April & COMPLETELY paid it off then as well. There is no reason my card should have been locked & an additional payment needed to have been made for this month to "unlock it".

Terrible company and customer service. Predatory lending. Paid off the card and reported me as missing a payment because they charged me interest on a zero balance. Just terrible and they blocked their system so I couldn’t access the online portal or call customer service. They also refused to close my account until I made several attempts by calling their customer service line.