If they (a) log into Target.com/circle and turn this little switch on or (b) from the Target app they tap the Circle Earnings and check the "Redeem" box and hit save (and then let's say their phone dies or whatever), entering the phone number on the credit card terminal
will cause their Circle Earnings to be applied on that purchase.
Entering the phone number alone (without doing either of the two above), true, will not redeem the Circle Earnings.
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