Target National Bank Complaint - No Customer Service - Worthless Card
MINNEAPOLIS, MINNESOTA -- I have a Target National Bank Visa. It's the kind you get at Target stores.
Since the "economic problems" of 2009 they have put a 10-day hold an all payments. Regardless of having a spotless payment record with them. This means that if you make a payment on your card, that payment will likely leave your bank account immediately, but your Target Visa will not allow you to use those funds for 10 days. This has tripped me up a couple of times over a couple of large purchases I was making, so I was sure to call card services and let them know I would be making a cash payment before I went on a trip where I would likely spend a large amount of money. I asked if the cash payment would be processed immediately, the customer service representative said it would probably still take about three days.
Fine, I decided, at least I wouldn't have to travel with a lot of cash or use my debit card... fast forward to the last day of my cruise when my Target Visa was DECLINED! I couldn't call card services because I was in the middle of the Caribbean and it would have cost ridiculous amounts of money. I used another card instead. When I returned home I checked my account - I had $1000 that should have been available, but was STILL frozen.
I called customer service and they said they had no way of differentiating between a payment by check and a payment by cash. The customer service representative said I should have called them three days after I made the payment... At that time I told her that that was why I had called just before I made the payment...to alert them. That I had done everything I could before I left dry land to ensure that I could use THAT card on this trip. Ridiculous. And in prior encounters with customer service I have learned that the reps really have no power to do anything. They can't raise your limit, they can't credit you, they can't do ANYTHING. They also won't let you speak to anyone in management.
Oh, and if you want an increase, they don't even know WHAT the people who decide that you should have an increase are looking for. It's all very suspicious...and that isn't exactly a word I look for in a credit card company.