Target/TD can be very conservative. We all know how conservative they are wirh CLs, but they are also the same with payments, it appears. They are very focused on patterns. They exhibit the same kind of behavior with their Target Debit card.
At the beginning of my CH 13, I received a Target debit card. After about a year of use, and despite sufficient funds in my linked checking account, they denied a transaction. I called and was told that they watch for patterns. Because I had just recently increased my use of rhe card exponentially, they asked for my patience as their computer "caught up" and modified my expected useable pattern.
Overall, they are very conservative. Despite my successful rebuild, I still use my Target Debit card. I want my 5%, but not willing to deal with the frustrations of the RedCard credit card.
