>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.
'Fraid it's a US thing. Here in GB, depending when the card's used in relation to the "Billing Date", we can have six or seven weeks interest-free. Nevertheless, if I wished to do the same as you, I can transfer funds to my credit card account any time, internet or 'phone banking, it takes a maximum of two hours, day or night, weekday or weekend, even to a different bank; if I do it before the charge hits the account, the account could be in credit.