Well, I took the time to apply for your "Circle Card" through the 800 number.  They were kind enough to do it for me.  I received a letter saying it was under review.  Then today a telephone call.  Gave, my name, my d.o.b. and of course my address.  SHE wanted to text me a "code".  I said I do NOT have a cell-phone, but you could send it to my email.  She abruptly said she could NOT do that???  Wanted me to FAX some paperwork???  I am 79 y.o. and feel like I have already gone through the process of applying for the card..., talked to more than one REP and this is how it ends?  I told her if I have answered ALL your questions and you cannot accept that, then I do not need your card.  So, while I would like to have the card, would like to shop at your store, your Customer Service does not compare to that of Wal-Mart.  Very, very disappointing. I believe  Laziness was to blame on the REP I spoke with on today's date.  I mean, I was NOT applying for a home equity loan?  So, is it my age?  Is it my last name?  What exactly make a Circle Card from Target, so coveted?  Sincerely XXXX