Where to send your Target Credit Card payment
You can pay your Target Credit Card through three main routes: online through your Target account, by phone with a customer service representative, or by mailing a check to the payment address on your statement. The online method is fastest and gives you when ready confirmation. Phone payments take a few minutes and require your card number and bank details. Mail payments typically post within 7 to 10 business days after Target receives them.
Target Credit Card accounts are managed by Synchrony Bank, which handles billing and payment processing. When you pay online or by phone, the payment goes directly to Synchrony. If you mail a payment, address it to the mailing address printed on your monthly statement — this address changes based on your account type, so always use the one on your bill rather than a general Target address.
Key Takeaways
- Online payments through Target.com or the Target app post when ready and are the fastest way to pay your bill.
- Phone payments to Synchrony Bank take a few minutes and require your card number and routing information from your checking account.
- Mailed payments must go to the address on your statement and typically post 7 to 10 business days after arrival.
- You can set up automatic monthly payments through your Target account to avoid missing due dates.
- Payments are due by 5 p.m. Eastern time on the due date shown on your statement to avoid late fees.
Paying online through Target.com or the Target app
Log into your Target account on Target.com or open the Target app, then navigate to your account settings or wallet section. Look for the "Credit Card" or "Manage Your Card" option. From there, you can view your current balance, due date, and minimum payment amount. Select the option to make a payment and enter the amount you want to pay — you can pay the full balance, the minimum, or any amount in between.
You will need to confirm your payment method, which is typically a bank account for electronic transfer. Target will ask for your routing number and account number. Once you confirm, the payment posts when ready to your account, and you receive an on-screen confirmation. Keep this confirmation number for your records. If you do not see the payment reflected within a few hours, contact Target customer service at 1-800-440-0680.
Paying by phone with Synchrony Bank
Call Synchrony Bank's payment line at 1-866-322-4962 to pay by phone. Have your Target Credit Card number ready, along with your bank account information (routing number and account number). A representative will walk you through entering your payment amount and confirming the transfer. The call typically takes 5 to 10 minutes.
Phone payments post within one business day. You will receive a confirmation number at the end of the call — write this down when ready. If you need to dispute or verify a phone payment later, this number is your proof of payment. Synchrony's phone line is open Monday through Friday, 8 a.m. to 8 p.m. Eastern time, and Saturday 9 a.m. to 5 p.m. Eastern time.
Mailing a check or money order
Write a check or money order payable to Synchrony Bank and include your Target Credit Card account number on the memo line. Place the payment in an envelope and mail it to the address printed on your monthly statement. Do not use a general Target corporate address — the payment address on your bill is specific to your account and ensures the payment reaches the right department.
Mail payments typically post 7 to 10 business days after Synchrony receives them, depending on postal delivery time and processing delays. To avoid late fees, mail your payment at least 10 to 12 days before your due date. If you are paying close to the due date, use online or phone payment instead. Keep a copy of the check or money order receipt for your records.
Setting up automatic payments
You can arrange for automatic payments to be deducted from your bank account each month. Log into your Target account online, go to your credit card settings, and look for "Automatic Payments" or "Autopay." Select the amount you want to pay automatically — you can choose to pay the full statement balance, the minimum payment, or a fixed dollar amount. Confirm the bank account you want the payment drawn from and the date each month you want the payment to occur.
Automatic payments post on your selected date each month, as long as your bank account has sufficient funds. If your account does not have enough money on the scheduled date, the payment will fail and you may be charged a late fee. You can change or cancel automatic payments at any time through your Target account settings. Set a reminder to check your statement each month to confirm the automatic payment posted correctly.
What happens if you miss a payment
If your payment does not post by 5 p.m. Eastern time on your due date, Synchrony will charge a late fee. The amount of the late fee depends on your account terms but typically ranges from $25 to $38 for the first late payment. A late payment also appears on your credit report and can lower your credit score. If you are more than 60 days late, Synchrony may freeze your account and stop allowing new purchases.
If you realize you will miss a due date, contact Synchrony when ready at 1-866-322-4962. Explain your situation — some accounts have hardship programs or temporary payment arrangements. Even if you cannot pay the full amount, making a partial payment before the due date shows good faith and may reduce the impact on your credit. Once you are current again, the late payment remains on your credit report for seven years but its impact on your score decreases over time.
Understanding your statement and due date
Your Target Credit Card statement arrives each month and shows your opening balance, all purchases and credits from the past month, your new balance, minimum payment due, and due date. The due date is typically 21 to 25 days after your statement closes. Your statement also lists the payment address and phone number for Synchrony Bank. Review your statement carefully to confirm all charges are correct before you pay.
If you do not receive a statement in the mail, you can view it online through your Target account. Statements are usually available online a few days before they arrive by mail. If you want to stop receiving paper statements and go digital only, you can change this preference in your account settings. Digital statements help you pay faster since you do not have to wait for mail delivery.
Frequently Asked Questions
Can I pay my Target Credit Card with another credit card?
No. Synchrony Bank does not accept credit card payments for your Target Credit Card balance. You must pay from a bank account (online or by phone), by mailing a check, or through automatic bank transfers. Paying a credit card with another credit card typically counts as a cash advance and triggers higher interest rates and fees.
What if I pay more than my balance?
If you send a payment larger than your current balance, Synchrony will credit the overage to your account. You can use this credit toward future purchases, or you can request a refund. To request a refund of an overpayment, call Synchrony at 1-866-322-4962 and provide your account number. Refunds typically post to your bank account within 5 to 7 business days.
Is there a fee to pay my Target Credit Card?
No. Synchrony does not charge a fee for online payments, phone payments, or mailed payments. However, if you pay late, you will be charged a late fee. If you use a third-party bill payment service or wire transfer, that service may charge its own fee.
How do I know if my payment posted?
Log into your Target account online or check your monthly statement. Your available credit will increase once the payment posts. Online and phone payments post within hours; mailed payments take 7 to 10 business days. If you made a payment and do not see it reflected after the expected time, call Synchrony at 1-866-322-4962 with your confirmation number.
Can I change my due date?
Yes. Log into your Target account, go to your credit card settings, and look for "Due Date" or "Payment Due Date." You can typically change your due date once per year to a date that works better with your budget. The new due date takes effect on your next statement cycle.