When I used my credit card, the amount I spend goes into a "pending" category that must be "posted" to the account before I can pay off the amount.
I used to pay off my credit cards every day; I never carry a balance, it's for convenience only. If I carry a balance for 15 days, they charge interest on it, but I never let that happen.
But now, it is often 5 days or more AFTER I incur the charge before the system will accept my payment.
This is total and absolute bullshyte in the days of computer transfers. "Posting" the balance to my "account" is what used to happen when a little man in a green eye-shade at a slanted desk would copy amounts from the sales slip into a huge metal-bound ledger book. Inside the computer, that transfer happens a few milliseconds after I swipe my card; there's no reason why I can't pay off the amount the minute I incur the cost ...
... except that it's in the credit card company's interest to reduce the window in which I can pay off the amount and thus NOT incur interest from 15 days to 10 days or less. Maybe I'll forget, or maybe I won't happen to be at the computer, and they can charge me 21% interest.
I hate those games, and I'm looking for another bank at the moment ... shame on me if I let them do me that way ...