Where to Pay Your Target Credit Card

You can pay your Target credit card through three main routes: online at Target.com, by phone, or by mail. The online method is fastest and shows your payment post when ready. Phone payments take one to two business days. Mail payments typically take five to seven business days to reach Target's processing center, depending on postal service timing in your area.

Target's credit card is issued by Synchrony Bank, so the payment address and phone number differ from Target's customer service line. Using the wrong contact information will delay your payment by days. Your monthly statement, available online or by mail, lists the correct payment details for your specific account.

Key Takeaways

  • Online payment through your Synchrony account is the fastest method and lets you see the payment post the same day.
  • Phone payments go through Synchrony at the number on your statement, not Target's main customer service line.
  • Mail payments should be sent to the address printed on your statement and take five to seven business days to process.
  • You can set up automatic payments from your bank account to avoid missing a due date.
  • Your due date is printed on your statement; payments received after that date incur a late fee, currently $38 or the amount of interest charged, whichever is less.

Paying Online Through Your Synchrony Account

Log into your account at mysynchrony.com or through the Synchrony mobile app. Enter your Target credit card number and the password you created when you first registered. Click "Make a Payment" and enter the amount you want to pay. You can pay your full balance, the minimum due, or any amount in between.

Online payments typically post within one business day. If you pay before 8 p.m. Eastern time on a business day, the payment usually shows in your account by the next morning. Payments made on weekends or after 8 p.m. Eastern time post the following business day. You will receive a confirmation number when ready after submitting the payment; save this for your records.

Paying by Phone

Call the number on the back of your Target credit card or on your monthly statement. A Synchrony representative will verify your identity by asking for your card number and other account details. Tell them the amount you want to pay, and they will process the payment over the phone using your bank account or debit card.

Phone payments take one to two business days to post to your account. The representative will give you a confirmation number at the end of the call. If you are calling close to your due date, confirm with the representative that the payment will post before your due date; if there is any risk, ask about paying online instead for faster posting.

Paying by Mail

Write a check or money order payable to Synchrony Bank. Include your Target credit card number on the check. Place the check in an envelope with the payment stub from your statement (if you receive a paper statement) or write your account number clearly on the envelope. Mail it to the address printed on your statement or billing notice.

Mail payments take five to seven business days to arrive and process, so send your payment at least ten days before your due date to avoid a late fee. Do not mail cash. If you do not receive a paper statement, you can print the payment address from your online account or call Synchrony to request it.

Setting Up Automatic Payments

Log into mysynchrony.com and select "Manage Automatic Payments" or "AutoPay." Choose the bank account you want payments to come from and the amount you want to pay each month—either a fixed amount, your minimum due, or your full statement balance. Select the date each month when you want the payment to be withdrawn.

Automatic payments remove the risk of missing a due date. If you set the payment for the due date itself, the payment may not post in time; set it for at least two days before your due date. You can change or cancel automatic payments anytime through your online account, and you will receive a confirmation email each time a payment is scheduled.

Understanding Your Due Date and Late Fees

Your due date appears on your monthly statement, usually 21 to 25 days after your statement closing date. Payments received after 5 p.m. Eastern time on your due date are considered late. A late payment triggers a fee of $38 or the amount of interest charged that month, whichever is less. Your interest rate may also increase if you pay late.

If you miss a due date by 30 days or more, the late payment will appear on your credit report and may affect your credit score. Synchrony may also freeze your account or reduce your credit limit. If you are unable to pay by your due date, call Synchrony when ready to discuss options; some cardholders can request a one-time due date change or a payment plan.

What to Do If Your Payment Does Not Post

If you paid online and the payment does not appear in your account within two business days, log back into mysynchrony.com and check the payment history to confirm the payment was submitted. If it shows as submitted but not posted, wait one more business day. If it still has not posted after three business days, call Synchrony with your confirmation number.

For phone or mail payments, confirm the payment was received by calling Synchrony or checking your online account. If a mail payment is lost, Synchrony can sometimes trace it; have your check number or money order number ready. If a payment was processed but posted to the wrong account, Synchrony can correct it, though this may take several days.

Frequently Asked Questions

Can I pay my Target credit card at a Target store?

No. Target stores do not accept credit card payments in person. You must pay through Synchrony Bank using one of the three methods listed above: online, by phone, or by mail. Some Target locations have kiosks, but these are for other services, not credit card payments.

What if I want to pay more than my statement balance?

You can pay any amount up to your credit limit. Overpayments create a credit balance on your account, which Synchrony will explore to your next statement. You can also request a refund of the overpayment by calling Synchrony, though this may take one to two weeks to process.

Do I have to pay the full balance, or can I pay just the minimum?

You can pay any amount between the minimum due and your full balance. Paying only the minimum means you will owe interest on the remaining balance. Paying your full balance each month avoids interest charges entirely.

What happens if I pay after my due date?

A late fee of $38 (or the interest charged that month, whichever is less) will be added to your account. Your interest rate may increase, and the late payment will be reported to credit bureaus if it is 30 or more days late. Call Synchrony as soon as possible if you have missed a due date.

Can I change my due date?

You can request a one-time due date change by calling Synchrony. Some cardholders can also change their due date permanently through their online account settings, though this option is not available to all accounts. Call to confirm whether your account allows a permanent change.