Hi Target experts, I'm interested in opening a Redcard credit card account, but my main worry is forgetting to pay the bill. Right now, with all my other credit cards I sit down and pay them all at once one day a month, using the apps on my iPhone. Does Redcard have an app through which you can pay your bill?

I'm mostly posting this for posterity, because I did some searching around Reddit and couldn't find my exact issue. Hoping this helps someone else.

Despite my high income and 821 credit score, My Target card has had a $600 limit for 3.5 years. I have never gotten an auto CLI, and you can't request one.

My family does most of our shopping, including groceries, at Target. In order to free up space under the limit, I have to pay the card off every 2 weeks when I get paid. However, if you make three payments in one calendar month, the last payment has a hold put on it. It takes the money out of your bank account, but doesn't free up your credit limit for several days, maybe up to a couple weeks. To get it to clear, you have to call Target customer service, then do a three-way call with your bank to prove to them that the payment came out.

All of the Target customer service is foreign, and I've never reached a level of supervisor who even fully understood the problem.

I cancelled the card. My main card gets 2% cash back everywhere, and I decided the extra 3% is not worth my dignity to be begging for CLIs or to call my bank to prove I paid my card every couple months. Not to mention the many times we've publicly had our credit card declined at Target.

I'd like to shop somewhere else, but for my family there is currently not a better option locally than Target.

Does anyone else have this issue with the target redcard/circlecard , when trying to make a payment online there is literally no payment option available and whenever i pay by phone it’s a 50/50 chance they take the funds from my checking account and when they don’t they hit me with a returned payment fee when ik the funds are available🤦‍♂️

it’s like the only way im guaranteed of getting my payment to go through is when i do it in store

i’ve contacted both targets redcard support number and my bank , target was basically no help telling me the payment option on the website should be on the main menu but it’s literally not… and my bank is saying there’s no reason the payments should not be going through