Kim Zolciak's financial woes have gotten slightly bigger ... she's been ordered to pay off a relatively puny credit card bill from Target -- and though it's minor, she's still on the hook.
In court docs obtained by TMZ ... a Georgia judge issued a default judgment in March in favor of Target National Bank, which handles credit cards for the department store ... ordering KZ to cough up the almost $2,500 she owes -- plus over $100 in court fees.
As we reported ... Kim first opened a credit card with the retailer back in 2007, but TNB said she defaulted on her payments back in 2022 .