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EE-BO,
Thank you for your reply and your warning about the fees. I tend to have a lot of gift cards with partial balances; the monthy fee deductions could gradually deduct most of balance before I got around to using them.
I'll pay better attention to the small print from now on.
I suspect the customer service is generally better at Neiman Marcus than it is at Target, and if NM is warning about replacement fees, Target probably has them.
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