Poorest customer service in history. Charges late fees even when posted the same day. Very rude about reversing unauthorized charges -even when the business was contacted too. Then three months later added them back on. It was a huge nightmare. Our experience with this card even affects our attitude toward the Target store through no fault of the store. We had this card 16 YEARS and got it only because a % went back to our school. We have high credit scores 750+ and have/have had 13 different cards including ones that charge no interest. THE TARGET CARD IS WORST MISTAKE ANYONE CAN EVER MAKE. We closed ours.