If I make a transfer from my savings account into my secured credit card account with the same bank, why don't I have immediate access to the money transferred?
First, you have to verify that your bank is the credit card servicer. If they are, there shouldn't be more than a days delay which is the money leaving your savings today and showing up on your credit card the next business day.
If a different company services the credit card, the delay is due to processing and the time depends on the method of the transfer. Your bank or the credit card servicer should be able to better explain the process and the reason for any delay. It is conceivable that in some institutions this would be an automated process that happens instantly, and in some it could take several days.
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First, you have to verify that your bank is the credit card servicer. If they are, there shouldn't be more than a days delay which is the money leaving your savings today and showing up on your credit card the next business day. 