we re hearing that target is not going to charge this fee and finding out more and more from each of the retailers today, but i have to tell you, this could be a problem for people out there. who want to use that credit card. they will notify you, a sign at the front of the store or on the website, if you use a debit card or a debit card you don t have to pay the fee, but a lot of of people are going to be i m not a consumer finance specialist or expert, but how do you build equity by using your credit card. you don t build equity, what you build don t ask charles, don t ask charles. charles pays for everything in cash, he doesn t have to worry about that. i think this is somewhat of a good thing. listen, people are in debt too much. maybe it s oh, come on, this is easy for you to say cause you have cash for everything. some people go into debt for. and i want people to have credit scores that are good. i want people to be able to borrow money for their kid s educa