Target Visa sent a letter saying the interest on their credit card was rising to 23% because there had been too many inquiries into our credit history. That's because every credit card we had did the same thing! They would not even work with us to lower the interest rate; however, they did lower our credit amount each time a payment was made. They said they were not "allowed" to lower anyone's interest rate. This is a true RIPOFF! read full review »