A Target debit card may seem like a great idea, with debit card convenience combined with 5% off. But strictly speaking, the card isn’t exactly like a regular debit card, and consumers are paying significant amounts to find this out. The Target card may be more like an electronic check. It isn’t directly linked to your account, so it has no idea whether you have the funds or not. It will OK your purchase either way—and if the funds are not there, you will be hit with a substantial returned payment fee.