<prompt> Human: Ive been pretty much paying cash for everything and I do most of my simple grocery shopping at Target except veggiesfruit and meat. If you use their credit card, they take 5 off of your purchase. Are there any drawbacks for example: to your credit score to make the purchase, then pay it off when i get home?  <response>: I used to work at Target and used their 5 Red Card on top of the 10 employee discount. There are no downsides to the card itself. As mentioned, you may get a small, temporary ding on your credit rating upon initially applying, but nothing thats going to actually cause damage.Do also note that you can open a Red Card as a debit card. I opted for this as it was hassle-free. Purchases would simply be withdrawn from your checking account a few days 3 after the transaction. More information on the Red Card is available here: 