Datapoint: I just got shut down yesterday after using my card (2K load) at Target 2 days ago. It's interesting that, unlike others here who have gotten their accounts locked, mine was immediately closed the following day and a $300 annual fee credit issued before I even got to talk with them. I got about 100K points in the 3 months or so I had the card. I was able to transfer all points out (after the shut down), waiting for them to post in the next few days (however pending points from the last target load never posted, but I'd take the refund over that!).