When Target did their recent upgrade in March, they failed to tell consumers you need 2 logins - one for payment Red Card and one for circle debit card. I gave 3 stars ONLY because someone explained that to me today. The previous call the CSR stated Target didn’t have my email….. hmmm same email for over 20 years …. Also the automated payment system took 6 minutes for one payment. Target you are too big a company for that antiquated, bootleg payment system. One more payment and my balance is $ 0. Their interest rate is loansharky bye 🎯