In March 2009, I moved from Arizona to Florida. Somewhere in the chaos of packing/moving, the March statement for my Target Visa got misplaced. I was unaware of any problem with the account until I tried to use the card to pay a motel bill. The card was rejected. Upon my arrival at my destination, I went online to check into the problem. I had missed the March payment and was duly charged the $39 late fee. I have no problem with the fee. This account has been open and active since March 1995 (13 years), with a $7, 000 credit limit... read full review »