What makes store / retail cards different from other cards, and the best approach to paying down balances.
Store cards (Target RedCard, Amazon store card, department store cards) typically have the highest APRs of any card type — often 25-30%+. They're designed to be easy to get (lower credit standards) and profitable for the retailer. The discounts and rewards they offer are easily overwhelmed by even a single month of carried balance at these rates. Generally best avoided for carrying balances.
Enter your balance and rate to see how long it takes.