Lost my wallet which had my card in it, they sent new ones that would not work. Their online is horrible and wont link my credit card only debit so they make paying online impossible and when I called, she did not help with that. After missing my first payment in over a year due to not being able to use online, no debit card due to having to wait on a replacement for that and no checks since I woul dneed to pay for new ones, they would not reverse the fee. Their interest is crazy and now tacked on a fee. Horrible. Will get rid of this card and not use target credit ever again.