If you have a Target credit or debit card (RedCard), Target collects your financial information including payment history and credit application data, and may use it for marketing in addition to managing your account.
This analysis describes what Target's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
This provision defines the scope of financial data collection tied to the RedCard product and specifies the operational and marketing purposes for which Target processes this data. It establishes the basis for Target's collection and use of payment and credit-related information beyond general account management.
Your Target RedCard financial data — including credit application information and transaction history — can be used by Target for marketing purposes, meaning your financial behavior at Target contributes to your advertising profile in addition to your purchase behavior.
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"If you have a Target RedCard, we collect financial information including payment card information, credit application data, and transaction history. This information is used to manage your RedCard account, process transactions, and may be used for Target marketing purposes in accordance with applicable law.— Excerpt from Target's Target Privacy Policy
REGULATORY FRAMEWORK: RedCard financial data implicates the Gramm-Leach-Bliley Act (15 U.S.C. §6801 et seq.) and FTC Safeguards Rule (16 C.F.R. Part 314), requiring financial institutions to provide privacy notices and opt-out rights for sharing with non-affiliated third parties. CFPB has supervisory authority over Target's credit card program under the Consumer Financial Protection Act (12 U.S.C. §5481 et seq.). The Fair Credit Reporting Act (15 U.S.C. §1681 et seq.) applies to any use of credit application data. CCPA/CPRA applies to the extent financial data constitutes 'sensitive personal information' under §1798.140(ae).
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This provision defines the scope of financial data collection tied to the RedCard product and specifies the operational and marketing purposes for which Target processes this data. It establishes the basis for Target's collection and use of payment and credit-related information beyond general account management.
Your Target RedCard financial data — including credit application information and transaction history — can be used by Target for marketing purposes, meaning your financial behavior at Target contributes to your advertising profile in addition to your purchase behavior.
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