Target Credit Card Reviews

I have been Target Red Card holder for over 20 years. First they stopped taking payments of my bill in the store. Now they don't seem to receive my payments by check in the mail even though I mail them 1--15 days ahead of the due date. Target needs to be investigated! What they are doing to customers to try to collect more money for late payments that aren't late at all is just appalling!! Every other reputable company seems to receive and process payments when they are mailed more than 10 days prior to the due date! Why can't you Target?

I just canceled this card after a little over one year. I rely on email payment reminders, and the one that Target provides via the website doesn't work half the time - it keeps resetting back to 15 days (before a payment is due) after I've set it to SIX days twice now. Gee - I wonder why this hasn't been fixed??? They hit me with a > $30 < late fee the one and only time I was late with a payment. So... nope. Canceled. Card service folks didn't care one whit when I called in, of course. Can't recommend this card, although I guess I'd been fairly happy with it up until now. It's also soured me a bit on Target, will be reducing my shopping there, I think. Enjoy that $30 that lost you hundreds, Target & Red Card.

This card is not worth it. Please, seriously consider a different option. Not only is the APR outrageous, but the customer support is less than 1 star. Let me give an example. The website to pay the Target Store credit card went down for maintenance. During the time the website went down, no payments could be made. They did say that all late fees due to the website being down would be waived. The time period that the website was down was the time period that I pay my bill every month. I have had this card for a while and never missed a payment or had a late payment. When the website was back up and running, I made a payment and it went through just fine. That was less then two weeks after my initial try.

I was excited to apply for Target credit card as I live in Hawaii and looked forward to items being shipped and delivered to my home for free and in a timely fashion. However, the difficulty making online payments, with issues with payment processing times and fees that were applied because they declined my auto pay and then added late fees to the balance. I was calling at least once a week to fix each incident and then it would happen again and again. I finally got so fed up with their service and failure to fix the problem I cancelled the card and will not be shopping at Target in the future. It's not worth the headache.

So, here's my story. In December 2024, I made a small purchase of $42.17 with my Target Red Card Mastercard. Because I rarely use this card and I didn't realize all of my paperless statements were filtered to my junk email, I failed to pay off the balance when it was due. On March 13th 2025, I received a phone call from Target Red Card informing me that my payment was over 30 days past due. I paid the full amount they asked for while on this phone call which was $115.90 which included the original amount of $42.17 plus $41.00, I assume late fee and $1.66 in interest. I apologized for having missed the payment and thanked the representative for making the phone call. I thought this was the end of it and it was no big deal as I had never been late with any prior payments to them or any other credit card for that matter which could be represented with my credit scores of TransUnion of 810 and Equifax of 781 prior to this.

Closed my account, after 9 years with them. During a period that they were doing, announced website/app maintenance. Over a few "returned" payments. In which my accounts had the money available. Did not notify me at all of the issues, no textlike my other cards would do. No email, no letters (probably because I am paperless on my account). There is no excuse for the lack of communication. I have excellent credit, and am an American Express card holder. I kept this account for the pure sake of my account age. In which they just ruined. I will not be opening a new account with them. The rewards suck anyways. I will not be shopping at Target anymore either. This is a loss of about 4,000 a month. A win for other retailers, sorry for you target.

Actually, I'm good with the card itself. God knows I have used it plenty, and it has really come in handy during the Christmas season. It is the card management end that is very lacking. They keep changing the website, and every time they do it's like starting over. The calling in a payment is like pulling teeth. I've never had a card, and I've had many ,that makes it so hard to pay them. Get it together fools, people don't have time to be patient with credit card companies.

When you go to apply online for the credit card, it doesn’t say that there are TWO different ones, and they will decide which one you get. On their website it details out the benefits. The reason I applied was for the credit card that allows for benefits outside of target - aka earning points for other purchases outside of Target. APPARENTLY there is a circle card and a Mastercard, but on their website it does not show up as two options. My card shows up (apparently I was chosen for the circle card) and it doesn’t have the benefits promised online. Mind you I have an exceptional credit score and average household income. I called target and was basically told, "Oh well you’re stuck with it."

I've had a Target Card for over 15 years, but when they switched it to MasterCard, I haven't been able to manage payments online or see purchase activity. I've had to call to make each payment, which is always in full, because of this inconvenience. I rarely use the card and have been threatened to have my card closed because of inactivity, so on February 15 of this year, I made a $38.00 in-store purchase. I received a letter dated March 5 explaining that a $69.00 charge had been posted because of my late payment?

3/28/25-I had my Red Card since 2014 and always paid it off immediately. Today I got a bill in the mail for almost $200. When I called Target, I was connected to their debut collector. Upon talking to her, she said I had a charge for approx $30 in August of 2024 (I do not remember this charge, got no bill, and when I called to check my balance in December it was ZERO ). I told the collector I would pay the original charge but not all these added fees as there was no notification of this charge and I don't recall making it. She said the least I could pay would be approx $100. I will not be paying this bill and would be filing a Federal complaint, I believe this is a systemic tactic this company is using to gouge fees. I've been a loyal customer of Target for years but NEVER again, and I could care less if my credit rating is messed up over a couple of hundred dollars, these are totally UNETHICAL practices.

Absolutely terrible customer service. This company is atrocious. The help line employees are beyond rude and horrible to work with. Avoid at all costs. I attempted to call the helpline for information on my card because I had misplaced it and wanted to pay my bill online. The website states there is a number to call for card information, however, the employees will do nothing to help the issue. They refuse to give card information over the phone but insist you need to give your bank information to them instead.

l wish I'd never bothered to apply for this card. I've had one since 2013 (12 years!), And have always paid on time. I didn't set up autopay because they require you to connect your checking account to the card, and at the time I applied they'd just been hacked and their user data stolen. About a month ago I was sick and forgot to pay a $26 credit. I paid as soon as I remembered, but they dropped my credit limit from $9,000+ to $200! I can't close it or lose my "length of credit" status, but omg DO NOT go with a Target card, just get something else.

Needs to be SHUT DOWN. Don't know how in the hades they remain a thing when they've messed so many Consumer accounts, considering the pending lawsuits. Absolute trash. I had a few different Red Cards over time when the store was actually a decent place to shop in 'upgrading' their card services to 'newer' versions with added/changed perks for online shopping convenience. Well - they decided to separate and outsource this to offshore dealing alongside a broken website that no longer allowed sign-in to pay your bill. Forging a hundred excuses in time, taking zero responsibility. In fact blaming YOU the customer for "not paying on time" And twice now they've canceled my card/account in good standing, with the repeat dull excuse that I've been late. Which of course is an utter lie. Can't reach a Mgr. to straighten this out, so to hades with them. I'll drive to my nearby store and pay manually. Kissing them and their trash retail goodbye.

Using the Target Red Card is easy for purchases. The problem comes when you go to pay the bill. There is no "Pay Bill" tab anywhere on the website, the app or on the email they send with your statement. It's ridiculous. I have called numerous times to try to fix it. It is singularly the most confusing and annoying card to work with. It seems to have started with the RED CARD merged with the credit card. Ever since, it has been nearly impossible to pay the pill unless you drive to the store or call the customer service line. Even when you call customer service, it's pretty slow and annoying, you have to confirm your account number and then it reads it back VERY SLOWLY. You go to make a payment and the computer voice rambles on with every option available. I can literally pay all of my bills with other accounts faster than this one account. If I could rate it a ZERO, I would.

The Target Card customer service is ridiculous. Made a huge payment on my card and here we are 13 days later and my available balance has not been credited even though they have the funds which cleared my account 10 days ago. No help from customer service. They informed me that I have to wait 2 more days for the balance to reflect my payment. Absurd. It's 2024 Target. Upgrade your systems.

Worst credit card I have ever had. And I have MANY cards. Paid the total amt every month at least once, and they would still hit me with late fees. Refused to move the payment date to prevent this. Now I can't even log into the online account; won't recognize my logins. I closed it. Really won't miss it and having to call their customer support every other month. My time is worth more than saving a few bucks on a few purchases every month.

Target Redcard customer service experience is the worst one I have ever had. While calling the customer service, it hardly goes through. And even if it goes through the call gets disconnected in between the conversation and they never worry to call you back. The representatives are very unprofessional and they lack skills to understand your concern and provide any kind of solution.

I called the 800 number and talked to a Peter (who wouldn't give me his last name) and said he was a supervisor. I was near my limit and asked what I could do so I could place another order. He said it would take 24-48 hours to process a payment. I then asked what would happen to my automatic payment if he did process the payment and he said it would be processed again. I asked if he could stop this and he said no. None of this makes sense. Hopefully the call was recorded and he will receive some more training.

I called them to get the status of my card. They said my account was closed. I never received a letter in the mail…. Greg is horrible rep and should be fired and needs to learn how to use the computer, figure why notes weren’t made on the account.

Target Card is the worst card I’ve ever had. Avoid this at all costs. Unable to create online account without physical card. Accrued late fees before card was received. Unable to get assistance via phone. Total garbage. I’ll gladly pay 5% more to never deal with them.

Completely frustrated with Target Fraud department. Someone opened a Target card using my personal information but incorrect driver's license number. Target still approved card even though I already have a Target redcard, gave them an authorization number and they purchase $428 of airpods. Now I am liable for their purchase, even though I submitted a police report and provided proof that I was at home when card was opened. They have denied my appeal 3 times, the first appeal was sent to a dispute department. They are difficult to talk to directly, need to talk to the middle person who has no access to the information and why it is being denied. Went directly to the credit bureau to resolve this issue. Cancel your existing Redcard (I've had one since 2003). The minute there is fraud, you are going to be in trouble and your credit score will drop 100 points. They need to be sued!!!

I had a balanced owed. Called to pay the amounts and was given two different amounts with the same team member assisting me. Transferred over to manager. Three-way call bank. Bank verifies less amount owed. Target Red Card Manager ends the call with my bank. Shortly after tells me she's having difficulty hearing me and hangs up. No issues hearing me through the 30-minute call we shared. Strange and Rude. Called again to Target redcard, make sure no issues or added payments. Paid amount. Takes 72 hours to appear in my account.

Due to Target credit credit card and customer support support 1. My credit score went from 855 to 700. 2. I called three times, each person was rude than the next. 3. I tried to get the credit issued correct they told me it is not their problem and I had to call the credit bureau. The credit bureau told me to call them. I have been a cardholder for target credit card for over five years. I never allowed them to raise the limit because I had heard about how they treated people in the past however, I am a person who gives folks a chance. The convenience was helpful for my family. The balance was paid off every month.

Target store I have no problem with, or merchandise. Just moved to address & haven't been receiving my card in mail so I cancel the cards. The envelopes that the Target Red Card are sent in are very thin & I suspect card was being taken. I have informed delivery it lets me know when mail is on the way. I reported to the post office. I don't feel they're are educated on their own products. I took me a month to get to someone. I googled corporate office & I finally got a human. Early in the process I'd call customer service & they couldn't even bring up my account. I called to let them know the 3rd card sent needed to be concealed. As crazy as this sounds they told me I had to send them a copy of my Id & and Social Security Card. The corporate office told me they haven't received it. They refuse to bring up account number and info. They were treating me like a criminal. You didn't require that info when done application online.

Due to their auto pay error, they closed my account. I signed up for statement balance and what did they do, pulled out my current balance after I already paid the statement balance days earlier. This caused the payment to return, so they closed my account. Every dispute response I receive does not acknowledge the fact that I signed up for auto pay for statement balance not current balance and they refuse to provide any terms to show that auto pay will occur no matter what terms you select. Disappointed to say the least. Haven’t set foot in Target since. Now I just order everything through Amazon.

Red Card Team, Supervisors, Fraud Department, Customer Service. All horrible. Not enough knowledge, misleading, false information, judgmental, need more training and experience, poor communication, drop phone calls constantly. No attempts to contact you back. Causes high blood pressure, careless, don't notate accounts, poor skills, poor customer satisfaction, liars, stressful. Give inaccurate information. Don't care if you're upset. Refuse to give contact information to high authorities, had to google and research for self. Allow fraud to your account and penalize you for it. Accounts not protected and unsecure. Such a disgrace. Need better hiring process. Sucks. My first store card ever with a company. Been pissed since day one of receiving my first card. 11/17/2024 until current. Issue still not resolved. Ready to give up and close account, horrible first experience.

I opened a Target Red Card account in 2021. After a few months, Target raised my credit limit to 1400 per month. I thought that's nice. I paid them on time every month either the entire balance or a very large payment. I discovered that they were not reporting the correct balance or not reporting at all for several months. This was making my credit score go down. I called them and they just lied. I wrote them a letter and said, "You are suspended, for 30 days I will not use your card. You have 30 days to correct my credit report." Instead of responding they mail this Mastercard with a 4000 dollar limit but with over 30 percent interest. I wrote another letter and mailed back the card that day.

On April 8, I made a purchase from Target for $11.31 using my Target Red Card. My account was set up for autopay. On May 1, before the payment was due on May 10th; I edited my bank account info which was confirmed as the online app noted "This message was generated to notify you that the event "Add/Update Payment Account" occurred on your account." However, on May 10, I received an email informing me that my payment of $11.31 was returned?! I checked my Target online app again on 5/13 to make sure my updated bank info was recorded correctly, and it was. So I placed a call to customer service to inquire why my payment was returned. The rep I talked to assured me it would be taken care off, but there was a $1 late fee?! Even though unreasonable, but I agreed to pay.

5% is nice. Interest rate is high.. Be careful when you’re trying to make any changes using the online website, as there can be issues with information being saved. My experience when attempting to change info on the online site was evidently not saved, though showed saved at the time I was on the website. Usually I receive an email, this time there was nothing, so I logged in and saw the old info still on my profile. Extremely small balance on card at the time. Credit limit was extremely high due to time I’ve had the card. Unfortunately I was a couple of days late, and they reported the card as not being paid. Spoke to customer service, and explained the situation, not much help on their end, though looking at my history over the past 13 years and never having any problems the customer service was surprised, as the balance was extremely small.. I changed the info manually with them since there were issues with the online service website..

Experienced financial problems, tried to fix with Target Red Card services, 12 months payments. Completed the monthly repayment plan, requested auto-pay, but apparently didn't apply, more late fees. Contacted the service people which are very rude. I will never step into a target or deal with this organization again. Allied or Alliance services, which is their recovery program is full of rude people. They were quick to offer a small discount compared to the large amount of interest charged. Had the card for over 16 years. Times have changed, no more target!

I have a Target Red Card MC and they email me saying I have rewards to collect on. BUT TWICE [Nov 2022 & Feb 2023] I have tried to collect the rewards - They deduct them from MY rewards Balance AND THEN say they will email me the gift card[s] BUT THAT EMAIL NEVER COMES!! I have called THREE times, just spent OVER ONE HOUR on the phone with their 'Gift card dept.' and they told me to create a new email just for them to email me the rewards -- WHAT!!?! I requested they just mail me the gift cards [$16. + $15.00] BUT they said they can't do that - WHAT THE HECK!?! When I asked for a supervisor, The person I spoke with [Diego] kept saying he WAS the supervisor because he answered the phone [?] and no one else could help me. STAY AWAY FROM TARGET REDCARD MC PROGRAM IF YOU WANT TO COLLECT YOUR EARNED REWARDS!!! I will NOT be using The Red Card anymore!!

This is the worst credit card to have. Their system is awful. Nothing's updated in a reasonable amount of time. They hold payments and return payment for absolutely no reason and dealing with their customer service is a nightmare. Never using this card again

I haven’t had any late payments or anything and yet they decreased my credit limit over $1000! I call customer service and they don’t know why! Horrible customer service! Really disappointed in Target.

My Red Card was declined for the first time in 9 years and when I called, I was told it was because a renewal card had been sent and returned as undeliverable. Target sent it to an old address even though I updated my address on my account. They apologized and agreed to send a new card by two-day delivery- and they sent me the same card, same number which was not valid and I couldn't activate it because they cancelled that number. They apologized again and said they were sending me a new card two-day delivery and I would need to sign for it. (At this point I had been without a card for 10 days.) I stayed home the day of delivery to sign for it and it never came. When I called I was told by a Manager that although it was 'supposed' to be sent two-day, it wasn't and had actually not been shipped at all. He apologized again but this time I said an apology wasn't good enough.

I used my card at a Racetrac with a locking card mechanism which malfunctioned and kept my card. For 10 mins we tried to get the card out, I had an employee out helping me and they ended up calling for a technician but they were backed up for four hours. We yanked and pulled and canceled the sale over and over. I left my name and number and went to find something to do for four hours. About 10 mins later I get called by an employee who says a random person entered the store, said they got my card out, called the number on the back, cancelled my card, and then 'destroyed it', and then left the store. They were unable to recover the card or pieces of it.

There was a credit card account opened in my name by a family member back when I was 19 and did not know how to check my credit. Target refuses to remove the charge off from my credit, despite me paying it off. I explained the entire situation to one of their “account managers” and even though I took responsibility for it and paid it, they still slapped a “charge off” status on my credit just to make sure this would have a huge negative impact on my financial life for 7 more years from the payoff date.When attempting to explain the situation to their “account manager” all she had to say was “there’s nothing we can do, maybe try sending us letter instead.” So the few points you should take from this is

If you use this card make sure you sign up for paper statements because they make it impossible for you to sign into your account to check your bill. I am left guessing each month, trying to remember if I used the card, and how much I might owe. They will let me sign in to the Target website and recognize my computer, but when I go to the red-card link, they insist they do not recognize my computer and require a verification through my phone. They then fail to send the verification code. This is simple coding and if they do this repeatedly, it is obviously by design. It must lead them to make a fortune on late fees... Especially if they are not sending paper bills. I'm going to tear the card up and I'll be less likely to choose Target in the future.

The card itself is good I guess and saves you 5% on purchases but if you ever want a credit line increase you have to fight for it even if you've been a customer of theirs for years and years and I've never paid a late payment in my life. It used to be you could get on the phone with them and they could look at your account and they would let you know right then whether or not you qualified for an increase. Now it takes 6 to 12 months for the "system" to approve you and if you try to call and get a status of it or talk to anybody about it, nobody can tell you an answer because it's not them that does it, it's the "system". Apparently Target has decided to outsource their operations overseas so the department that supposedly handles this is in India and nobody can call them to inquire, they can only send a message, but either way you don't get an answer because they never call you back to let you know what happened.

I had just a Target Red Card in 2016 with at 250.00 limit. They upped my limit to 500.00 shortly after using the card in 2016 and kept raising it. I was upgraded to a Target MasterCard in 2017 or 2018 with a 9,000.00 limit. Then in 2019 upgraded to a 11,000.00 limit. The bank behind this card is TD Bank USA, N.A. and the interest rate was terrible and the website for making payments is not well designed. If large payments are made they can take a long time to post which is frustrating. Customer service is ok but not the best when you call. The Target MasterCard rewards are not worth it and you just cash them out and get a gift card to use at target. Avoid this card the interest rate is terrible and the bank behind the card is average at best.

Between log into the Target Store itself. That's one thing. But to make it so bloody hard to sign into their Red Card account. I know my user & password but each time they say it wrong. I'm done trying.