@Anonymous wrote:
Thats why I am just going to leave it alone for now I still have plenty available credit on that card and others so I am not desperate for them to return the credit, its more of a principal thing they were super fast pulling the money but seemingly super slow in crediting it back thats what my rant is about but to be honest its really not that important when you look at the big picture
There's you problem right there... instead of letting them 'pull' the money, use your own bank's bill pay to 'push' the payment to them... since I started doing this each month I've never had an issue with a payment hold - not even once. I was once plagued with payment holds, especially when I had smaller limits, but I noticed it only seemed to happen when I used the credit card company's web site to initiate the payment. I still do an ACH 'pull' from time-to-time for convenience purposes (to time the payment with payday, etc.) but only if I know that a hold won't cause a problem.
As a side-note, it's extremely easy to back-out a payment that's been 'pulled' out of your checking account... I actually had to do it a few years ago, and I was honestly surprised how quickly my bank was able to retrieve the funds.
