The short answer
This is a standard grocery charge from Target, typically appearing when you make an in-store or online purchase for groceries.
Why is Target on my statement?
A retail store charge appearing on your credit or debit card statement as TARGET T-0123 represents an in-store or online purchase made at Target, covering groceries, household goods, apparel, or pharmacy items. The numerical suffix following the brand identifier designates the specific retail store location or digital fulfillment center where your transaction was processed through checkout registers.
Shoppers frequently encounter this billing descriptor when buying groceries or daily essentials. When placing online orders for store pickup or home delivery, temporary authorization holds may appear as pending on your account before the final purchase total settles upon item packaging and shipment. These temporary pending amounts drop off automatically within a few business days.
To verify the items purchased, locate your paper receipt or check your digital order history inside the retail mobile application. If you cannot identify the purchase and suspect card misuse, contact joint account holders first to confirm authorized family spending. Should the charge prove entirely fraudulent, notify your card issuer immediately to report unauthorized activity. Keeping close track of your monthly statements ensures complete financial security and prevents unexpected surprises from recurring charges.
What to do if you don't recognize it
If you see a Target charge but haven't shopped there, it could be a sign of a compromised card or an authorized user making a purchase.
Review your recent receipts or ask family members. If you still cannot identify it, contact your card issuer immediately to report potential fraud.
Can I dispute a Target grocery charge?
Yes, if you believe the charge from Target is fraudulent or unauthorized, you can initiate a dispute directly with your credit card issuer. Make sure to first check with any joint account holders who might have made the purchase.
Does Target charge a holding fee?
In most cases, Target does not charge a holding fee for regular in-store purchases. However, online grocery orders or pickup services may place a temporary authorization hold that drops off once the final total is calculated and settled.
Independent reference — not affiliated with Target. Billing names and policies change; verify with the merchant or your bank before acting.
Verified sources
Every claim on this page is checked against official sources — open them to confirm before you call your bank.
- Target Official Site https://target.com
- Consumer Financial Protection Bureau (CFPB) https://www.consumerfinance.gov
Reviewed Aug 31, 2026 · high · About UnknownCharges