When I was buying items at the target, the cashier always pushes for the customers to apply for the RC to save 5%. When it came to me I said, I have one and used it. She then asked me where I got it. I saw that she really wanted it so I was nice and then asked if she can load my card. She did without any hesitation. What I don't understand is, she is advertising the card to every customer, why can't she just apply for the card like she would do if a customer agreed to get the RC?