Since using credit cards is a common way that people pay for things without carrying cash around, many branded retail stores have decided to incorporate their unique credit cards. Customers use these credit cards to buy stuff and secure certain deals in any store related to the brands. But, not all credit cards can be used to purchase certain items in different places. Some retail stores partner with various legal financial institutions to expand the functions of their credit cards. Like many other commercial stores, Target’s credit cards come in three forms. Consumers can only use the Target credit card without the conventional Mastercard logo on the Target official website, alongside Target retail stores. Customers can use any Target credit card with the Mastercard logo to purchase items at anywhere in any shop nationwide. Since TD Bank, USA issues Target credit cards, they are legally recognized.
Do all Target credit card carry a private label?
As stated earlier, Target cards come in three different forms, one of which carries a Mastercard logo. Buyers can only use the Target Redcard charge card in Target stores nationwide because it carries a private label, stating that it is strictly Target’s property. Since Target’s card legal issuer is TD bank, it also carries its issuing symbol.
Can Target Redcard Mastercard be used in other stores?
Yes, customers can only use Target Redcard Mastercard in retail stores like Walmart, Kroger, Walgreens, among others. Target Debit card can only be used in all Target stores, including the online store and in-store Starbucks, according to what the consumer purchases.
Do you need to reach a buying milestone as a customer before Target processes your credit card application?
Target bases credit card application approval on credit information/score, salary/wage, and employment data. For these reasons, some individuals do not get approval for their applications, as your creditworthiness determines your eligibility. There are three ways to apply for a Target credit card: customers can go for an online application, in-store request, or mail application.
Online application
- Log on to target.com and check for the credit card application icon or page.
- Fill in your social security number, state or military ID number, your gross yearly income, and your driver’s license in their appropriate fields.
- Once you are true, click ‘continue.’
- Check your data to make sure you filled them correctly and then, click ‘submit.’
In-store request
If you are already a regular customer at any Target local store and you prefer physical communication, you can request your card from there.
- To find a Target store near you, go online and check Target find store page.
- Enter your zip code or city to find a store closest to you.
- You may not need your social security number, but you need physical evidence of your driver’s license.
- Enter any Target local store and tell the cashier that you want to apply for a Target credit card.
- If you qualify, you can receive instant authorization after you hand over your license.
Mail Application
Mail application involves a paper or electronic application form.
- Go online and download the electronic application form in a pdf version from the Target Redcard homepage. OR
- Visit any Target local store to collect a paper application form.
- Read through the instructions carefully and understand what is required of you.
- Go through the card’s annual percentage rate, along with the terms and conditions for using the credit card.
- Fill out all the requirements portrayed in the application form.
- Mail your application to Target card service (identifying the address printed on the form.
Conclusion
Since Target has three types of financial cards, customers can pick the one that best suits them. The Target Master credit card can be used at anywhere in anyother store since it carries the Mastercard logo on it. Target Redcard and debit card can only be used in Target local stores, the official websites, and in-store Starbucks.
FAQs
- What is the credit limit for Target credit cards?
Depending on your purchase regularity and payments, Target starts with a low credit limit for all customers and then progresses. If you can reach your credit limit with consistent payment, Target would increase the size, giving you more room to make transactions. The target credit limit ranges from $200 to $2500 or more.
- What are the perks of using a Target credit card?
Target credit card is one of the few transactional cards that come with significant benefits. It offers a 5% discount on every purchase a customer makes with a credit card, as long as it is a Target store. Target also offers free shipping on most online orders, when you use the Target Redcard to make payments. Sometimes, customers have 30 days to return items purchased with a Target Redcard.
- If I have an inconsistent income, should I rather go for the Target debit card?
Since the Target debit card withdraws directly from a linked financial account when making payments, it is best for customers with inconsistent income. If you are not too sure of your credit score, try the Target debit card before progressing to the credit card.
