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Apply for Target Red Credit Card | Check Application Status

Target Red Credit Card offers an enhanced web portal using which you can apply for a new credit card without much trouble. Issued by TD Bank USA the credit card is an advantageous one providing loads of shopping benefits. It is one of the world’s largest retail credit card providers after Wal-Mart.

Before applying for the credit card you would like to have a look at the advantages of the card.

  • 5% discounts on purchases whether offline or online
  • Customers can enjoy free shipping using their Red card for making online purchases
  • No foreign transaction fee is associated with the credit card
  • Minimum payments are low

It is easy to manage your Target Red Credit Card online. Just follow the guidelines mentioned below and enjoy managing your credit card from the comfort of your home. We have also provided illustrations through which you can check your application status and cancel or close a credit card account.

In order to enroll into the online portal of the Target Red Credit Card, the user must meet the following the following requirements.

  • You must be at least 18 years of age.
  • Must be a resident of US or Canada.
  • Have a valid Social Security Number.
  • Have a valid government ID.

Step 1– To start with the application visit the homepage (target.com) of the Red Card. Once your reach the web page look for the “Enroll” link towards the bottom of the login section. (For direct access to the enrollment page, click here Link.)

Step 2– Click on the link and the user will be navigated to the enrollment screen. Just complete the fields below and then click ‘Continue’ to go ahead with the process.

Step 3– Next you will be directed to a new webpage. Provide the requested information below, view the Target Privacy Policy by clicking on the link below and finally click ‘Continue’ to proceed.

Step 4– Set up your login credentials, review the application and then click ‘Submit’. Once your account is confirmed the user will be taken further to the online console from where they can access their credit card online.

Step 1Target Red Credit Card provides an easy to use online portal using which the applicants can get aware of their application status. To check the status of your credit card application the user should call at 1-800-424-6888 and then provide their application reference number.

Step 1- To cancel or close your credit card account the customers is required to call at 1-800-424-6888 and then respond to the IVR.

Target REDcard Review – Debit Card With 5% Discounts at Target

Debit cards were in the news frequently this past year – often in a less-than-positive light – as numerous banks sought to impose fees for their use. Normally, a debit card is issued by the bank that holds your checking account, though this is not always the case. The Target REDcard is one such debit account set up via a retailer, rather than a financial institution.

The Target REDcard functions as a debit card that draws funds from any checking account. It offers the same convenience as any debit card, while offering customers additional benefits, such as a 5% discount on most purchases. Below is more information on the top features and how it works.

  • Application Can Be Completed In-Store or by Mail. Applicants who apply in-store must provide a voided check. Otherwise, customers can print out and mail in their application.
  • Direct Debit Features. Charges at Target are deducted directly from the cardholder’s checking account, regardless of bank or financial institution.
  • Discounts at Target. When using a REDcard, Target customers receive a 5% discount on qualifying purchases. This includes most items, with some exceptions including gift cards, prescription drugs, and medical services.
  • Free Shipping From Target.com. Cardholders are eligible to receive free shipping for online orders, with no minimum purchase requirement.
  • No Annual Fee. There is no fee to use this card, though there are returned payment fees that vary based on the state in which the cardholder resides.
  • Donations to Education. Target makes a donation to education equal to 1% of all REDcard purchases.

  1. Great Discounts. For regular Target shoppers, there are many savings to be realized by deducting 5% from all purchase prices. This is a true, immediate discount taken at the register, not cash back that must be claimed at some later date.
  2. Free Shipping. Think of this like the paid Amazon Prime service, but free. However, unlike the Amazon program, there is no guarantee of two-day shipping. Online purchases can even be returned at a physical location, so feel free to buy shoes or clothing to try on at home.
  3. Donations to Education. Target donates 1% of the amount of all REDcard purchases to the K-12 school of your choice.
  4. Extra Savings on Pharmaceutical Purchases. When you fill at least five prescriptions at a Target pharmacy, you receive an extra 5% discount for one day of Target shopping, in addition to your existing 5%.
  5. No Potential for Debt. Many people avoid credit cards, including retail store-issued credit cards, after incurring costly debt. Debit cards are a fantastic alternative, as customers can only spend money that they already have in their accounts.
  6. No Credit Check. No matter your credit history, nearly all applicants with a checking account are approved.
  7. No Fees. There is no need to worry about monthly fees, annual fees, or charges for going below a minimum balance.
  1. Does Not Work at Target Mobile. Target has a cutting-edge product that offers discounts at the store and online. However, it does not offer a discount at Target Mobile. However, it would not surprise me to see this functionality added in the future.
  2. Not Part of a Payment Network. Since it does not belong to a processing network such as Visa or MasterCard, this card can only be used at Target stores and at Target.com.
  3. Cannot Be Used to Carry a Balance. I personally believe that this is a great feature; however, for those who need to carry a balance from time to time, this card will not be of any use.
  4. Does Not Build Credit. There is no credit check necessary to receive this card, but use of this card will do nothing to improve your credit score.

Target is an innovative retailer, offering stylish goods at affordable prices. Likewise, its REDcard is a unique product that offers the ability to make purchases directly from a linked checking account. When you consider the significant 5% discounts and free shipping, it becomes clear that this is a worthwhile product. Considering that there are no costs or fees to use this card, it’s an easy choice for any regular Target customer to obtain the REDcard.

Do you have experience with the Target REDcard? What additional advantages or disadvantages can you report?

Further processing of Target Credit Card after pre-approval?

Further processing of Target Credit Card after pre-approval?

I received a pre-approval slip from Target, and I applied for the credit card. After submitting my application, the slip said "requires further processing", and that they will contact me within 10 days. I just called the phone number for Credit Services to see if I could check the.

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From Cardholders in the last year

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ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL

4 out of 5 stars

3 out of 5 stars

Excellent with frequent, substantial CLI

Being a regular Target customer, it made sense to get this Red Card as part of my credit building strategy. Score was upper 5xx's when I applied and received a 300 CL about 9 months ago. Sitting at a $1300 Cl currently. I use this card multiple times a week and pay off the balance every payday. I've never paid a penny of interest, never paid a late fee. That translates into literally hundreds of dollars in savings due to the 5% discount on every Target purchase. Payments post overnight (when paid by 6PM or whatever) and never had a problem with the fast and easy to use website. Always pay on time and in full, along with updating your income through the web portal and if I can get these frequent and substantial increases with my less than stellar credit, I imagine just about anyone can! Like any other credit proiduct, use it wisely, only spend what you can afford and you can enjoy the perks without the penalty of interest and fees. Three thumbs up!

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Made a payment on the card, showed paid online and they said it was paid when I called twice. Turns out, it wasn't. Got a late fee charge because of it. Though it showed paid in their system and out of my account. Late charge was removed, but I paid it off and cancelled. Bad experience.

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These reviews were written by current and former cardholders in the last year.

Great for rebuilding and strengthen the credit score.

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I’m in the process of rebuilding my credit. I applied for this card and I was approved Online. I believe my starting CL was $500 and that was in February 2017. I do a lot of shopping at Target and I love the fact that if you make a purchase online the shipping is free, and fast too. I’ve received a few cl increases during the last 10 months. As my credit has gotten better and income has grown, my new limit is $2900. I’m rather pleased with that. Not really looking forward to anymore increases for now but this card is worth it.

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How often do you get a credit increase in the 10 month you had the card

@Makavali, it's situational but I've been receiving credit limit increases every three months.

I shop at Target constantly so after rebuilding my credit to about 600 I applied for their Red Card. Was approved for a small amount, I think about $350. However, over the course of the last year they have given frequent increases and it now sits at a $2000 limit. My credit has flucuated from 600-660 but it seems like the credit increases always come when I get close to my limit. I try to pay it off but I did carry a $1500 balance for 2 months and that is when they bumped it to $2000. I've never had a single problem and really enjoy the 5% off.

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Easy app online. Low CL of $200 with scores in mid 600's. Hoping it grows.

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I applied on line and instant approval. I say pay your bills, don’t utilize more than 30% of your credit limit and you’ll be fine.

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low limit must use or they close it

target closes accounts that are unused to punish cardholders

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I've been on a journey this past year building my credit. I went into my local target store and they had great deals on their tvs so I decided to apply for the store card. I was approved with a $300 CL with my overall scores sitting at a 610 I have 3 collections. Long story short I wasn't able to buy the TV but my goal is maybe in the next 6 months I'll be able to.

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What was your credit utilization when you applied. I was just denied with a higher credit score than you and no collections.

Had this card for 3 years. Only used twice, with one of those times being 1 month ago for a 100.00. Started at $500 limit and progressively they increased the limit to 5000.00 even though I had only used it twice. This week I receive a letter stating that they lowered my credit limit from 5000.00 to 200.00. The reasons stated in my letter were experian based comments: 1/2="too few accounts have recovered from delinquency" 2/2="Credit report does not show sufficient mortgage equity".

In scared reation to those comments I quickly pulled my experian credit report and lucky for me nothing negitive appeared. Flawless report. Called Targets and after being bounced around a bit, I spoke with a gentlemen whom informed me it was lowered due to low dollar amount usage. I asked him to give me a reason as to why i would want to keep the account open. I gave him an example that if i was to come down and spend 100 dollars on a new video game, my usage ration of that new limit would be %50 and would harm my credit score for the month. His polite response was I could simply go to the curtosy desk and pay it off right after charging on the card. I had them close the account. I STRONGLY recommend you not waste your time with Targets and their Charge card.

For me personally, I found this offending enough to effect my shopping habits and will not be taking the hour drive to shop at a targets nor their online site.

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I got this card back in 2013 with a $200 limit. I used the card once in a while and paid it off within 2 months of purchase couldn't buy much with $200. I wanted to raise my limit and they didn't do request only auto increases. I googled how to get an increase and read I should use the card more than half the limit and let that amount reflect on statement balance. Although this is opposite of what you want to do with credit cards. I actually worked! I've had the card for 3 years at this point and finally got an increase to $700. I brought all X-Mas supplies on card and got another increase to $900. Then i receved another about 4 months later to $1100. In June, I received a huge increase for $4,000. Received a letter in mail saying I was being uograded to Mastercard in Aug. Stoked! So far no issues! stoked!

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Your application requires further processing. You will receive a response in the mail within two weeks.

what are my chances of approval this is the message i recieved? should I call the app line?

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TU 744 / EX 710 / EQ 694 (Starting to slip. )

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Current Score: 709

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