Target is a leading department retail chain in the US. The company is headquartered in Minneapolis, Minnesota and has operations throughout the country. In fact, it has more than 1700 stores in the US. The company also issue credit cards and debit cards under the brand Target RedCard. This is especially aimed at customers who purchase regularly from the company and may want to take advantage of the special benefits offered by the card.
A Target RedCard gives its customers 5% off on every purchase they make at any US store. This offer is also applicable for shopping at their official website. And when you purchase anything from their online store, you also get the items shipped to your home absolutely free. Plus, customers also enjoy an extra 30 days for returning the products.
Target Credit card
You can use the Target credit card at zero annual fee. You will be charged 22.9% as your Annual Percentage Rate (APR) for purchases and this can vary based on the market rate. You will have 25 days from the closure of your billing cycle to pay off your credit card balance and avoid any interest. If you fail to do so, then you will be charged interest. Plus, if you do not pay your bills by the due date, you may also be charged a late payment fee of up to $35. And if you are paying your bills through checks, then remember to ensure that your bank account has sufficient funds to honor them. Else, you may also be charged with up to $25 for each returned check.
Target Debit Card
A Target debit card works like a personal check in that it draws from your existing checking account balance. This too comes with zero annual fee. The card will have a secured PIN access to ensure that any possibility of misuse is minimized. You can make a cash withdrawal of up to $40 at checkout in store. When you do an EFT through your card, you will be charged a service fee. This can vary from $20 to $40 depending on the state in which EFT occurred.
Application and Registration
To apply for a Target RedCard, you must be a citizen of the United States. If you are applying for a debit card, then must be at least 16 years of age. Credit card applicants must be at least 18 years old. You must have your social security number, driving license, state ID or military ID, bank account details and other personal information handy while applying for a card. You can apply for a debit card through this link and for a credit card through this link. After you have successfully submitted the online form, you only to need to wait and you will receive a confirmation whether you are eligible for a card.
Once you are a cardholder, you can manage your card balances and pay its bills through your online account. If you need to know more about Target RedCard and its various benefits, you can contact the customer care service center at 1-800-440-5317 or you can visit their website at www.target.com