I have held a Target Red Card and a Target Visa continuously since 2000. Until January of 2007, I never carried a balance. My limit went from $500 up to $6000. In July 2007, my payment was 'late' . It arrived ON THE DUE DATE, BUT at 6PM CST instead of before 5PM CST. They charged me a $39 late fee. When I complained, they reduced it by half- but that was it. Then they raised my interest rate from 18 to 28%! I complained again and was told I would have to pay on time for 12 months to get a reduction. I paid EARLY and more than the... read full review »