Target’s email says:
“As you requested, this is to let you know the payment due date for your Target REDcard® is 3/24. Keep in mind that a payment might not be due if you’ve already made a payment or if you have a zero balance.”
Protip, Target: How about you check the account for payment or zero balance *before* sending the email?
Or maybe I should take a similar tack: “Dear random person. You owe me fifty bucks, payable immediately. Please disregard if you don’t owe me fifty bucks.”