I paid off my Home Depot card recently and went to use it to buy some filters and such and was declined. I marched up to customer service and had them call and the CSR said when you make a "large" payment (paid $1300 of my $1400 balance), they will "float" the payment for 14 days to make sure it clears (and I did it online, electronically, or so I thought).
The CSR said I could fax her a copy of my billing statement showing it has posted to my account (it did a week ago), or we could three way call with my Bank...of course it was Saturday evening and my bank was closed and I would spend 30 minutes going home and printing up my bank statement...all too much work, I asked if she could release $100...and she declined.
I have heard of CC's "holding" a large payment for five days, but 14...so be aware that this could happen.
ps. I also asked her what amount triggered the "float" and she would not give me a straight answer.