Target credit card holds your money once they have it when you make what they decide is a "large" payment (in our case $1, 000). No other credit card I have ever had does this. Target holds your money for over two weeks after they have received it from your bank and does not apply it to your available credit. We have never had a returned payment or any other problem with them. They say they do this to everybody. Our other cards give you available credit once they receive your payment from your bank. Not Target. Don't know what they do with your money for two weeks, but you will not have access to it. Stay away from them.