I use a bank online bill pay service. It takes two days to send a payment to Target. this last month my payment wasnt credited until 6 days after the bank sent it electronically. That was one day late, and Target charged me $39.00 for a late fee, and $3.09 finance charges. When I called to protest, they said, not their problem, cant help you. Said to send it at least 5 days in advance. I said I sent it 6 days in advance...they said, not their problem. What a ripoff. read full review »