I lost my job and was behind on making payments. This is the only credit card company that has taken me to small claims court and garnished my check. I have since found a job and have been trying to dig my way out of the nightmare I was in but when Buckels and Buckels / Target takes 1/3 of your paycheck it is impossible. I am going through a divorce also so my income is what me and my boys have to live on. When I called Buckles and Buckles to discuss what I could make in payments, the amount I said was not good enough because it wasn't the garnished amount. How is someone suppose to live? It was a total of $3000 that I owed Target and they are taking over $1200 a month out of my check. I can't even make a house payment let alone put food on my table. One thing I know... I am done dealing with Target all together.