When i was eighteen years old i was new to this credit thing.(this was in 2008). Well ever since i have always made my payment on time it has almost been 2 years now, here recent i have lost my job. Before I lost my job the hours at the work place have been cut back. Well I forgot to make a payment and not to mention the first time. It just slip my mind because i had other bills to pay. well i recieved a call from them and i went made my payment. well on the date of 2/14/2010 i recieve a bill with a exetreme overpriced payment. i understand late charges and stuff like that, but if it just happened one time i think there should be a waiver on a fee like that. with my finical trouble i feel like this big ass corp. could have cut some slack on. so for anybody out there think of get this Target Red Card i highly suggest not because its a fucking scam. FUCK TARGET CORP.