My story begins with getting a target credit card. The first month I was shopping with it a couple of times and was waiting for the bill to arrive. Well it never came. I got a letter saying I did not pay my bill on time and I am charged $25.00 in late fees. That time I thought I must have misplaced the bill, or my moving had to to something with it so I payed it off. A few months later i used my target credit card again. They had my new address so i was expecting my bill. It never came. Three months later I got a letter saying I am charged $25.00 in late fees. This time I called. I made a Complaint and the customer service representative reassured me that if I pay my bill via the phone he will remove the $25.00 late fee as a one time courtesy. I did that. He assured me that I will get a $0.00 balance bill in the mail. Well it never came. Three months later arrived another letter saying my balance is $25.00 and I am being charged $1.00 in late fees. So I called again. The customer service representative kindly offered to give me $12.00 credit on the $26.00 I allegedly owed them. That is when I asked for the supervisor whom I told I will not pay a dime for something I did not buy or I did not owe. They have already cheated me out of $25.00 once and that is not going to happen again. Of course I explained that the Better Business Bureau and the Attorney General's office will be interested to hear about the business they continue. She assured me that the $26.00 dollars will be removed from my account and in 24hours I will have a zero balance. I also asked her to send me a zero balance bill in the mail so I will have written record of it. At this point I am waiting for that mail. After that I will close my account and will not shop at target ever again.