I am experiencing this same issue, with a SECURED credit card! The account is backed by a Certificate of Deposit. Why in the world would I be hit with this 7 day hold for a SECURED credit card? It does not make any sense.
USAA has failed:
-There was no communication that the credit card payment was being held, I had to contact them (via chat on mobile app)
-The customer support staff does not have any power to overturn these systematic errors
This is the second time that USAA has put me in a serious bind. The first time, they shut down my checking account with a $1500 balance after I made a large deposit. I was prevented from using even the funds that were already present in the account prior to the deposit.
I will soon be ending my 21 year relationship with USAA. It just isn't worth it to be at such large risks with handling my money.
Oh no @jayton4, that is not how we want our members to feel. Please know that USAA may place a hold on credit card payments to ensure the payment is processed successfully per the USAA credit card agreement terms and conditions. I will share your feedback with the appropriate area, we value your time today. Thank you. -Emily
@Sabby86, I understand your frustration with a payment hold and I appreciate your feedback. USAA may place a hold on credit card payments to ensure the payment is processed successfully. If we can be of further assistance, please let us know. Tricia
We do not want your payment to be late as well @Nate the late and will need to proceed via our online click to chat. We appreciate your patience, once online please select “Reach A Representative.” If chat is available the link to chat will be available. ~ Joseph
Hello and thank you for taking the time to share your feedback concerning the hold placed on your credit card. Once the hold is expired your payment will be applied effective for the date it was originally received. Thank you.