Very disappointed, in more than 10 years , I forgot to pay my bill, I was NEVER LATE, this is the first time, I called and payed my whole balance, the lady who helped me told me not to worry about it when I asked if this will affect my credit, she said no because they report it after de 30 days, well my creditors score went down 19 point!!!! 19 POINTS!!!! , I Called again I even spoke to the supervisor just for them to tell me that there is nothing that they can do.... I used to love target ,but no anymore