 I think that is legit. I guess I've had a Target card since I was able to get a credit card that I just haven't changed. But I think you can just get debit. My thing is, it's like I use them and then you get 5% off and then I usually pay off my credit cards right away. And I ordered a lot of Amazon Vaseline that I don't need and all sorts of things. And that goes on my Shields credit card because then after you get so many points, they send you a $25 gift card to use at Shields. But I pay it off. You know what I mean?