I have never been late on my payments to Target and realized the day it was due that I had forgotten to process it through billpay. When the payment online was giving me trouble, I processed it through billpay which takes 48 hours to cut the check and get it to the store.
Having already paid through bill pay they called me on Saturday morning 2 days after I was officially late to ask for payment. When I denied them payment because of billpay, they continued to harass me all weekend, calling 4-5 times per day.
Even after I told them not to, they continued! I will never shop there again and I will be cancelling my credit card this morning!