By Christopher Elliott | Problem Solved

Q: I’ve been a loyal Target customer for years and I use my Target Circle Debit Card regularly, which offers a 5 percent discount when I buy at Target. One day, I tried to make a purchase on Target.com, only to find that my card had been declined. When I logged into my account, it said my card was closed. I immediately called Target and a representative told me the closure was due to inactivity. This didn’t make sense because I’d used the card multiple times that month.

I pressed the issue. Target claimed I had requested the closure. This was completely untrue.

Target offered no solid explanation for why my card was closed, only that they would investigate and send me a resolution by mail within a few business days. However, I never received anyth

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