SunTrust Bank
Credit card declined at grocery store despite on-time payment

I bank with Suntrust and have a credit card with them. I pay my balance on time every month at a teller so I have a record. I use my checking account to transfer the payment.

Today I went to use the card at the grocery store for $250 worth of groceries. Declined! Why? Because they show no record of my payment, and it takes 5 business days to release my funds. However, if I pay $82 to them now, they will allow me to use my credit line. Isn't that special? It means they will collect more money from me! I don't understand why this week is the issue when it is done the exact same way every month, whether the date of payment is a Friday or Saturday.

I have had issues with them before, but this takes the cake. Heaven forbid I am in an accident or get stuck on the highway somewhere only to be declined. I need a new bank. Any ideas?

Company: SunTrust Bank
Country: USA

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