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When I've paid off my Target visa, they have locked it, I cannot use it for 10+ days. They told me they were waiting for my bank to process the payment.

Isn't that 1-2 business days?-- because that's the time it took Target to take the money from my bank account! I use the card a lot to get the 5% discount by using the card. I was embarrassed in the checkout line REPEATEDLY when I kept getting declined!

And this is right after paying them in full. Is that how a regular customer should be treated?

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