Some shoppers like to keep their spending tied directly to their bank account, while others prefer the flexibility of a credit line. Neither way is wrong. It just depends on how you like to handle your money.
The Target Red Card has both a credit option and a debit option. The debit version takes payments from your checking account, so you are spending money you already have. The credit version works like a regular credit card, which means you pay the balance later and may be charged interest if it is not paid in full. Approval and benefits depend on the card and its terms. Thinking about which style feels more comfortable can help you pick the one that suits you.
To compare the two options in simple terms, you can read more at https://targetsredcard.com/ whenever you have a few minutes.