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I have been a target card holder since 2004, my credit limit is $7000 , never a late payment, never gone over the limit, and I have amazing credit score and a spotless credit history. Well my husband made a payment to our card (btw, our payment wasn't even due) and he input the wrong back information and the payment was returned, Well I called and I apologized, said I was very sorry but my husband made a mistake and I had already issued another payment and they can see that we are not the type of people who do that and wondered if there was any way they could wave the $39 return payment fee. Well I was told NO. It was your mistake. I said well I know it was my mistake , but I am asking as a one time courtesy to long time good standing customers, if you can wave it? he said NO (at this point I was shocked) so they put me through a supervisor, who said NO! I said , you do know is common practice to do things like this for customers? right? to which she replied "sometimes we have to EAT the consequences to our mistakes" (I couldn't believe she said that) than I said, are you really willing to loose us as a customer over $39 dollars? because I can get a card anywhere, I choose this one, but I don't NEED this one..... she replied... if that's what it takes than I guess so and at this point we are going in circles , so unless I can help with anything else I am going to let you go..... I was like ohhhhhh k. So I am shopping around for a new card. I have never in my life been treated so rudely by anyone. I do not recommend this card to anyone nor am I going to keep my account at this point.