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I make my payments every month and then in the month following I'm in the same situation. My payments aren't applied every month and carry over through the month following. If I reach out to customer support, I'm not sure what the using the target. I attempt to explain that why I shouldn't be able to have a account in the next month with similar reasons when I pay my balances each month. This has happened to me two times so far. I'm about to close this card. It's incredibly frustrating. target red card login
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