Maybe I've just been living under a rock. But in case I'm not the only one under there...
Did you know that you can get a Target DEBIT card instead of a credit card and still save the 5% on every purchase? I had no desire for another credit card to have to remember to pay so I always say no to their offers. But my brother informed me that you can choose debit. So I did it the other day while checking out. You just have to have one of your checks for them to scan into the register to set up the account. I should be getting the card this week. Now I just have to remember to use it! The charge is taken straight out of your checking account, just like if you used your regular debit card. But you get an automatic 5% discount, cool!