It's funny you made this post today. I just experienced the same thing with Walmart. I actually have a .51 cent credit on my account. They had the nerve to ask me if I wanted a check sent to me for .51 cents, but they have not made my limit available on the card and it has been 1 week!! The story they gave me was that I made 2 online payments this billing cycle, so they held the availability of the last one!! I guess they don't want me to pay my bill in full!! Ha!