<prompt> Human: I was looking into getting the target red credit card because I literally live at target and realized I havent been apart of any of their loyaltydiscount programs. After researching, i encountered a lottt of bad reviews about their customer service or just the way it is set up but also a lot of contrastingly good reviews. Im also worried about getting a low credit limit bc I have little credit history. Anyone ever used itencountered any problems with it? Is it really worth it?  <response>: Works well for me - just stuck it on autopay and use it for the 5 discount. Rarely hold a balance, so I cant speak to any shady business practices. 