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I'm not sure to be honest. And just because it is written in there does not mean it would always happen. If local managers can override the charge to promote goodwill, then application could be discretionary.
I have no idea if the Target card is subject to this kind of fee, but when I got Neiman Marcus cards for people last year I was warned that if they were lost and there was no receipt there "might" be a replacement charge.
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