Are you looking to close your Target credit card because you no longer shop there or want to simplify your finances? Cancelling is easy to do by phone. Here’s what you need to know before and after you cancel your Target credit card.
Key Things to Know Before Cancelling
Before you cancel your Target credit card, keep these key points in mind:
- Target credit cards are issued by TD Bank. Contact TD Bank if you have any account-specific questions.
- Safely disposing of the physical card does not close the account. You need to officially cancel it.
- Consider redeeming any Target Circle rewards or gift card balances first, as they may be forfeited after cancellation.
- You can transfer any automatic payments set up on the card to a new credit card account.
How to Cancel Target Credit Card
Cancelling your Target credit card only takes a quick phone call. Here is the process:
By Phone
The easiest way to cancel is to call one of the following numbers and speak to a customer service representative:
Target Credit Card & Target Mastercard (U.S.): 1-800-424-6888
Target Mastercard (Outside U.S.): 1-612-815-9922
Target Debit Card: 1-888-729-7331
Target Credit Card: 1-800-659-2396
Call volume may be high during peak hours between 8-10 AM and 5-9 PM ET, so try calling mid-day or evening if you can.
- Confirm your identity by providing your name, account number, social security number, and home address.
- Inform the representative you want to close your Target credit card account.
- Ask about any impacts to your credit score or report from closing the account.
- Check if there are any pending transactions or refunds on the account.
- Request a confirmation number documenting the account closure if desired
Wrap Up
Closing a Target credit card is a straightforward process – call one of the customer service phone numbers I have provided above.
Before cancelling, be sure to redeem any existing Target Circle rewards or gift card balances, as they will be forfeited after closure.
Once you have cancelled, monitor your account over the next billing cycles to ensure all pending transactions have cleared before considering it fully closed. Cancelling your Target card may temporarily lower your credit score, so weigh this decision carefully if you have a long-standing card with a lot of credit history.
With this guide, you now understand exactly how to cancel your Target credit card properly in 2 minutes.