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REDCard Help

Target Visa &
Target Credit Card

(Scroll down for Target Debit Card)

Disputes

To dispute a transaction, first give us a call at 1.888.755.5856. Then, to protect your rights under the Fair Credit Billing Act, you'll need to write to us. We must receive your letter within 60 days after the first bill containing the disputed transaction became available to you. Please send your letter to: TD Bank USA, N.A., P.O. Box 1581, Minneapolis, MN 55440-1581

Reporting Lost/Stolen Cards

If your card is missing, please call us immediately at 1-888-755-5856. We're available 24 hours a day, 7 days a week. We're unable to accept missing credit card reports online or by e-mail.

Security Questions

In accordance with Federal guidelines, additional security authorization is required for some online actions. These questions are based on your account information and are designed to protect your account. If your account is locked due to incorrectly answering a security question, give us a call at 1-800-394-1829. For security reasons we're unable to reset your account online or by e-mail.

Stopping Paper Statements

You will receive paper statements unless you elect to stop receiving them. To change your statement delivery method, click on Statement Delivery Method. After answering the security questions, click Switch to Online View Only to stop receiving paper statements, or click Paper and Online View to restart your paper statements. Past due guests will not be able to switch to Online View Only until the account is brought current.

Payment Methods

Payments can be made by clicking Make a Payment. Payments can also be made at your local Target store (remember to bring your credit card or billing statement with you as the store is not able to look up the account number); by phone at 1-888-755-5856; or by mail to Target Card Services P.O. Box 660170 Dallas, TX 75266 0170.

Making a payment

To make a payment through the mobile site, click Make a Payment and choose the amount, date and which bank account you would like to make a payment from, or click add bank account. Payments made prior to 5:00pm (Central Time) will be posted on the same day. Payments can be scheduled up to 30 days in advance. For questions about payments, give us a call at 1—800-394-1829.

Mobile payment tenders

Payments can be made with either your checking or savings account. You will just need your banks routing number and your account number. We’re not able to accept credit cards, debit cards or Target GiftCards as payment on an account.

Fees

Minimum payment is due by the payment due date each month to avoid late payments. There is no annual fee for your REDcard nor do we charge a fee for inactivity or over limit. For each purchase or cash advance made outside the US, there will be a 3% International service assessment on your statement. Puerto Rico and Virgin Islands are excluded.

Setting and receiving alerts

To set alerts, click Set Alerts, choose the alert(s) you want, select whether you’d like to receive the alert via e-mail, text message, or both; click Save. For text alerts you will need to add your mobile phone number to enroll and agree to the text messaging terms and conditions. You can change your alert settings at any time. Alerts about transactions or personal occasions are sent each time the event occurs. For alerts that describe account conditions, the alert will be sent when the condition is met. We'll also send you an e-mail every month when your statement is available online, when you enroll in Manage My REDcard, when you set up Auto Pay, when you schedule a payment, and when a payment is confirmed. You can choose to receive e-mail alerts in HTML or plain text format.

Permanently stopping all text message alerts

There are two ways you can opt out. To do it online, go to the Settings menu on the left navigation and click Set Alerts. Then click delete next to your mobile number. To opt out using your phone, reply to any alert from us with the word STOP, or send it to 827438. You'll receive an opt-out confirmation after we receive your text message.

Eligible mobile carriers for text message alerts

The text alert service is only available on certain U.S. carriers, and the carriers are subject to change. The current carriers are: Aliant, Alltel, AT&T, Boost Mobile, Cellcom, Cellular South, Centennial, Central West Wireless, Cincinnati Bell, Dobson, East Kennedy network, Immix, ireless, nTelos, Rural Cellular, Sprint, Suncom, T-mobile, Telus, Union Telephone, US Cellular Corp, Verizon, Virgin Mobile.

Fees for text alerts

We will not charge you for mobile text messaging. Message & data rates may apply from your mobile carrier.

Target Debit Card

Disputes

To dispute a transaction or if you have questions about a transaction, give us a call at 1.888.729.7331 or write to us at Target Corporation, c/o Financial and Retail Services. P.O. Box 9491, Minneapolis, MN 55440. We must hear from you no later than 90 days after the first deposit account statement on which the problem or error appeared.

Reporting Lost/Stolen Cards

If your card is missing, please call us immediately at 1-888-729-7331. We're available 24 hours a day, 7 days a week. We're unable to accept missing credit card reports online or by e-mail.

Security Questions

In accordance with Federal guidelines, additional security authorization is required for some online actions. These questions are based on your account information and are designed to protect your account. If your account is locked due to incorrectly answering a security question, give us a call at 1-800-394-1829. For security reasons we're unable to reset your account online or by e-mail.

Security

What is phishing?

"Phishing" is a scam designed to steal your personal information. If you receive an e-mail that looks like it is from us asking you for your personal information, do not respond. We will never request your password, user name, credit card information or other personal information through e-mail. If you receive a suspicious e-mail and suspect that it might be fraudulent, do not click on any of the links in the email, and do not reply or enter any information. Contact Target Account Services at 1-800-394-1829 immediately. A Target representative can help you determine the authenticity of the e-mail. For additional information, please visit the Protect Your Identity page on Target.com. You can access the “Manage My REDcard” site securely by simply typing Target.com/rcam into your browser.

What to look for in emails from Target

Do not rely solely on the presence of the Target name or logo. E-mails from Target are designed to provide information you requested about your REDcard and inform you about products and services we think you might be interested in. You may also add credit.services@rcam.target.com to your Contacts or Address Book. In general, we will not:

How do I contact Target about suspected fraudulent (phishing) emails?

If you receive a suspicious e-mail and suspect that it might be fraudulent, do not click on any links or reply or enter any information. Contact Target Account Services at 1-800-394-1829 immediately. A Target representative can help you determine the authenticity of the e-mail. For additional information, please visit the Protect Your Identity page on Target.com.

Additional Measures to expect from Target concerning online security

Target takes a proactive approach to securing your credit history and personal information. To help provide you with the best possible online experience, Target utilizes the following policies:

“Remember This Device”

“Remember This Device” allows you to choose whether you would like “Manage My REDcard” to recognize the computer/smartphone that you are logging in from. This does not replace any of the security that is currently in place (you will still always need to enter your username and password when logging into the site); it will just ask an additional security question if the device is not recognized.

“Remember This Device” and Financial Software Users

If you use services like Quicken or Mint to automatically download transactions, you will need to select ‘Yes, remember this device’ to ensure downloads are successful.

Removing “Remember This Device”

If you have selected “Yes, Remember this device”, and then would like to have the device no longer be remembered, all you’ll need to do is clear the cookies from your internet browser. Once the cookies are cleared, you will be asked an additional security question when logging into your Manage My REDcard account.