Target National Bank is the worst. Month after month they reduce my credit limit. Pay off a thousand they reduce it to 20 dollars above limit without any notice or explanation. Ive had this card for years and have paid them thousands in finance charges, its BS for them to do this now. I will never use this card again or shop at target again. Credit Seeker beware...raised interest rates lowered limits damaging your credit score!!! read full review »