[AVGWarhawk]

That is wrong Frau. If there is an electronic transfer that money is to be available immediately. I think I would be having a discussion with the bank or find a new one. That is to much of a game that bank is playing. What I have seen credit card companies do is mysteriously change you due date. The reason is a person sets in their calender and in the brain when it is due. It becomes automatic after a while until you do not look at the due date at all. Just cut the check and send it. This is when the company changes the date unannounced. You get zapped with a late fee! Do this across the board with all you card holders and you make a nice sum of money. I think under the new laws the card companies can not do this anymore without written notice three months in advance.