But then I hear the guy leaving a message. It starts out, "This is Joel [Somebody] at Retailers National Bank and it's important that you call me here at 1-800-456-069[X]???? (didn't catch that last number.) I pick up the phone in mid-sentence and say hello, but it's an automated recording. Only account I have with Retailers National Bank is my Target Guest Card. It's at $0 balance and has had no activity on it for 2-3 months. I dig out my Target statement and call the number for Retailers National Bank on it (very different: 1-800-659-2396.) They're puzzled and don't kow what to tell me. This bites! Do you think they'd call before issuing me a Target VISA?