I closed my Target Visa account in July 2009, and paid it in full. I called Target to close my account and requested a final bill. I never received it, and thus, forgot all about it. That was my first mistake. It wasn't until I was looking up my credit score when moving that I noticed my Target account was over 120 days past due. Immediately, I called Target and talked to someone on the phone for at least a half an hour. The reason why I never recieved a final statement, was because the balance was less than $10 so it was "not in... read full review »