Pay your Target bill by calling Target's automated payment line or speaking to a representative
You can pay a Target RedCard bill over the phone in two ways: through an automated system that takes your payment information, or by speaking to a customer service representative who can process the payment for you. The automated route is faster if you have your account number and payment method ready. Speaking to a representative takes longer but lets you ask questions about your account or dispute a charge at the same time.
Target's customer service number for bill payments is 1-800-440-0680. Have your RedCard account number, the amount you want to pay, and your payment method (bank account or debit card) ready before you call. The system will ask you to confirm the payment amount and the date you want it processed.
Payments made by phone are usually posted to your account within one business day if you call before 11:59 p.m. Eastern Time. If you call after that time, the payment may not process until the next business day. Target does not charge a fee for phone payments.
Key Takeaways
- Call 1-800-440-0680 to pay by phone; you can use the automated system or speak to a representative.
- Have your RedCard account number, payment amount, and bank account or debit card information ready before calling.
- Phone payments post within one business day if made before 11:59 p.m. Eastern Time.
- Target does not charge a fee for paying your bill by phone.
- You can also pay online through your Target account, by mail, or in person at a Target store.
What information you need before calling
Gather these details before you pick up the phone so the call moves quickly. You will need your RedCard account number, which appears on your physical card and in your Target account online. You will also need to know the exact amount you want to pay — either your full balance, the minimum payment, or a custom amount.
Have your payment method ready. Target accepts payments from a checking or savings account (you will need your routing number and account number) or from a debit card. Do not use a credit card to pay your RedCard bill by phone. If you are paying from a bank account and do not know your routing number, you can find it on a check or by calling your bank.
If you are calling to dispute a charge or ask about a late fee, write down the transaction date and amount before you call. This helps the representative find the charge quickly in your account history.
Steps to pay through the automated system
When you call 1-800-440-0680, the automated system will prompt you through the payment process. Press the button or say the number for "make a payment" when given the menu options. The system will ask you to enter your RedCard account number using your phone keypad.
Next, you will enter the amount you want to pay. The system will read back the amount and ask you to confirm it. Then you will enter your payment method — either your bank account information or debit card number. The system will ask you to confirm the payment date (usually the same day or the next business day) and will give you a confirmation number. Write down this number in case you need to reference the payment later.
The entire process usually takes three to five minutes. If the system cannot process your payment for any reason, it will tell you to call a representative or try again later.
Speaking to a representative about your payment
If you choose to speak to someone instead of using the automated system, stay on the line after the menu options and select the option for customer service. A representative will answer and can process your payment while also helping with other account questions. This route is useful if you want to ask about a charge, discuss a late payment, or set up a payment plan.
Tell the representative your account number and the amount you want to pay. They will confirm your identity by asking for your zip code, date of birth, or last four digits of your Social Security number. Once confirmed, they will take your payment information and process the payment on the spot. The representative will give you a confirmation number and may offer to email or mail you a receipt.
Wait times to speak to a representative vary depending on call volume. Calling early in the morning or on weekdays usually means shorter waits than calling in the evening or on weekends.
When your payment will show up in your account
Payments made by phone are posted as pending immediately after you hang up, but they do not become final until they clear your bank or card issuer. This usually takes one business day. If you call before 11:59 p.m. Eastern Time, the payment will post by the end of the next business day. If you call after 11:59 p.m. Eastern Time, the payment may not post until two business days later.
Weekends and holidays can add extra time. If you pay on a Friday evening, for example, the payment may not clear until Tuesday. If you are close to a due date and worried about a late fee, call early in the day on a weekday to make sure the payment clears in time.
You can check whether your payment has posted by logging into your Target account online or by calling customer service again. Your available credit will increase once the payment clears.
Other ways to pay your Target bill
Phone payment is one option, but Target offers several other ways to pay that may be faster or more convenient. You can pay online through your Target account at target.com by logging in and selecting "Pay Bill" from your account menu. Online payments post the same day if made before 11:59 p.m. Eastern Time.
You can also pay in person at any Target store by going to the customer service desk and asking to make a RedCard payment. Bring your card or account number and your payment method. In-store payments post within one business day.
If you prefer to mail a payment, send a check or money order to the address printed on your Target RedCard statement. Mail payments take longer — usually five to seven business days to post — so mail your payment at least a week before your due date to avoid a late fee.
What to do if your payment does not go through
If the automated system rejects your payment, it will tell you why. Common reasons include an incorrect account number, insufficient funds in your bank account, or a problem with your debit card. If your bank account does not have enough money, you can try again once you have made a deposit. If your debit card is expired or has been reported lost, you will need to use a different payment method.
If you entered your information correctly and the system still will not process the payment, call back and speak to a representative. They can troubleshoot the problem and may be able to process the payment manually. If your bank account or card is the issue, the representative can suggest alternative payment methods.
If a payment you made by phone does not appear in your account after two business days, call customer service at 1-800-440-0680 and provide your confirmation number. The representative can look up the payment and tell you whether it is still pending or if there was a problem.
Frequently Asked Questions
Does Target charge a fee to pay my bill by phone?
No. Target does not charge a fee for phone payments, online payments, or in-store payments. You only pay interest on your balance if you do not pay in full by your due date.
Can I set up automatic payments by phone?
No. To set up automatic payments, you must go online to your Target account or call a representative and ask them to set it up for you. Once set up, automatic payments will deduct from your bank account on your due date each month.
What if I want to pay more than my balance?
You can pay more than your current balance by phone. The extra amount will show as a credit on your account and will be applied to your next statement. If you want to close your account, paying off the full balance and any credits is usually required.
Can I pay someone else's Target bill by phone?
No. You can only pay a bill for an account in your name. If you are an authorized user on someone else's account, you may be able to make a payment, but you will need to speak to a representative and provide proof of authorization.
What happens if I miss the due date?
If your payment does not post by your due date, Target will charge a late fee (the amount varies) and may report the late payment to credit bureaus. You can still pay by phone after the due date, but the late fee will remain on your account. If you are more than 30 days late, Target may freeze your card or close your account.