Individuals and families who shop at Target on a regular basis benefit when they apply for and receive a Target REDcard. This card allows users to receive 5 percent off all of their purchases every day, take advantage of free 2-day shipping on online orders and enjoy an extra 30 day extended return policy. Paying your Target REDcard and other credit cards online can be a convenient way to manage your bills and avoid postage costs. With consistent on-time payments, you can improve your credit score and avoid additional fees, especially if you pay your balance in full monthly.
Once you have logged in to your account, click "Schedule a Payment" under Payment Information in the left-hand navigation. Enter your desired payment amount and your checking or savings account number from which you want your payment debited. To avoid late fees of up to $35 and negative marks on your credit report, you'll need to pay at least the minimum amount due listed on the bill's due date, which is 25 days after the close of each billing cycle. If you do not pay your balance in full, your account may be subject to finance charges, depending on the terms of your card agreement.
Scheduling in Advance
You can schedule your payment up to 30 days in advance or sign up for Auto Pay to have your payment automatically scheduled each month. This option eliminates the chance that you'll forget to pay the bill on the due date, thus incurring unnecessary late fees. Find Auto Pay information under "Manage Auto Pay" in the Payment Information section. You can opt to pay a specific amount each month or the full balance due, whichever is most convenient for you.
Change Your Billing Date
Target REDcard automatically assigns your due date as 25 days after the close of each billing cycle. If the timing of this due date doesn't work for you, you can call 1-800-424-6888 and request a new due date for future bills. This is an excellent option for salaried individuals who may be paid on the 1st of each month, or bi-weekly pay employees who'd rather have their due date fall in the middle of the month.
Karen Spaeder began her editorial career at Entrepreneur magazine. True to the entrepreneurial spirit, she works at a startup digital marketing firm, blogs at karenspaeder.com, teaches yoga and runs her own organic beauty business. Spaeder holds degrees in English and certifications in yoga, karate and early childhood education.