Hi XXXX, Thanks for your e-mail. When you applied for the new Target® Visa®, your credit limit and annual percentage rate were based on all of the information that you provided on your application, such as: - Time at current residence 12.5 - Time at current employer 17.1 - Number of open accounts 7 - Number of past due payments, etc. ZERO Sorry, these numbers DON'T add up to 9% higher than my HIGHEST INTEREST RATE on my other cards... WHATEVER!!!!!!! <-----------------(I didn't send that in the second e-mail)