Payments for Target REDcard credit cards are due at least 25 days following the end of each billing month. Missing a payment costs you more than the 5% discount you received on your purchases, so keep track of your payments and make them on time. Pay your credit card amount as soon as you learn you've missed a payment. Online, in person, or over the phone are the fastest ways to pay. You'll be charged a late fee of up to $39, plus interest at a rate of up to 24.90 per cent APR, for every day you keep a balance.