The whole reason I got my Target card was because I used to work there. Between the 5% and my discount I used to save 15% every time I bought something. Now that I don’t work there I never shop there; and that is the reason why I want to close it. Walmart offers a free Fico score that updates every month with their card. It is only the Transunion Fico score. Care Credit really doesn’t have a lot of advantages, but it works for me. You can choose between a 12,18,and 24 month period without interest. Also you have to make sure the place where you want to use it accepts it first. For example my Dentist office excepts it but my internal medical dr does not. It is not a logo like a visa or mastercard so that makes it harder, but i have a lot of dental work that needs to be done so it works for me.