I was reviewing my credit statement from Target bill and noticed that my interest jumped from 14% to 19%. I was not late or over the limit so imagine the suprise. I called to see what was going on. The guy on the other line explained they sent me something in Feb. that explained it all according to him. I am not a lawyer or business person. I am sure I skimmed and nothing jumped out at me. Wiz kid on the other line said I had chance to opt out but that time had passed. I said I did not see anything I had to sign. I was calm and told him that I... read full review »