I've had this Target Visa for years now. I made an on time online payment on the 13th of August that paid off the card.
I went to use the card on the 25th of August but my transaction was being declined. I called customer service and they told me that Target "randomly" holds online payment for 15 days or more.
They are aware that the transaction has cleared the bank but it is their policy to hold the available limit for some time.
That's it for me, I'm done with Target. Thank GOD I didn't have some real emergency that I needed the card for because I never know when they are going to decide to restablish my limit even though the card was paid off weeks ago.
Review about: Target Credit Card.