From your post it sounds like you used Bill Pay to pay your credit card using a linked bank checking account that was not USAA.
The REASON for the 7-Day Hold is that using a linked bank checking account instead of your USAA Checking Account results in a BANK FUNDS TRANSFER ACTION which would be needed to completed FIRST before USAA could complete your Bill Pay Action.
The following question and answer from the Funds Transfers FAQ found here should answer your 7-Day Hold Question.
Q: Once I initiate a transfer, how soon will my funds be available?
A: All transfers are subject to a hold. We may hold all or part of the funds transfer up to five business days. Funds transfers submitted after 3 p.m. CT are considered the next business day and will extend the hold period by one business day.
Funds are available:
**Remember "business day" means Monday through Friday and excludes weekends.
I hope I have helped.
USAA does the same thing to me every time I pay my credit card bill. If I use their system to pay my credit card bill, USAA takes the money from my other bank account then in eight days they "apply" it to my credit card payment. If I use the bill pay that my bank has, the money is removed from my account and within two days the amount is applied and credited to my USAA credit card account.
I have been with USAA for over 15 years and have been linked to the same bank for over 6 years.
I didn't realize that USAA was holding my payments for eight days (business days no weekends or holidays apply) until I tried to us my card and have it declined.
When I called USAA, they told me that it was in the fine print on my account and that I should have read it better and after a review of my account (by the USAA rep), she stated that it looked like USAA has always held my payment for eight days and what was the big issue now. Nice to know that it takes 8 business days to apply a payment but you can apply a charge within one hour of it being made.
Are you charging me interest on the balance while you hold my payment for 8 days or are you just charging me interest on the balance that is supposed to be left?
We regret to hear of your experience. USAA reserves the right to place a hold on credit availability. This is outlined in our credit card terms and conditions. We regret we were unable to assist you further.
Nychsa, I can see you're upset about the payment hold for your credit card. I've located your information and will forward it to a subject matter expert for further handling. They will reach out to you as soon as possible. - Ben