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Do not get the credit card, they lock you out of your account so they can charge you late fee's, then when you call customer service they dont want to fix the problem THEY just tell you that" you must make a payment right now with them" and they have all your banking information in there system and them they will try to fix the issue. They charged me a late fee because they could not fix the on line banking for my account. I dont get statements because my account is paperless, but until I pay what they say I owe they are not going to do anything to help me get my on line account fixed Customer service must work for commission on collecting. I have been a long time customer and this is how they treat you. I thought customer service was to help the customer NOT Target customer service. Very rude people!!!