I mailed a letter to Target warning them about their behaivor. I filed three disputes with Experian and each time Target lied to Experian. I paid off the entire balance and they ignored the dispute and lied to Experian again. I just spoke with Target Red Card and they lied again, this time lying about when I made the payment. So they just got fired. I have a $1400 credit limit with Target RedCard, I never paid late once in the last three years since I became a customer. The result is that every month my credit score goes down because of Target and also Capitol One another scam credit card. Please do not do business with them. Its time Americans stand up to these companies. I am now going to file a lawsuit against them in Civil Court.