And every month I call FCNB's automated telephone info line to make sure the payment got there. This month I noticed my balance decreased by $1,000 but my available credit didn't increase at all. So I called customer service. The rep told me with payments of $1,000 or more they put a 10-business-day hold on the check. So my payment won't be applied to my credit limit until mid-March. This is a major pain because the check has already cleared, so I don't have the money available in either my checking account or on my credit card. The rep said I can call when I notice the check has cleared and FCNB will call my bank to verify and maybe free up my credit limit, but I'm not optimistic. (It's a relatively new account.) I was also told that if I had sent a check for $999.99, it would have been applied to my credit limit immediately. And I was told if I build a history of large payments, there would no longer be holds on my large payments. For "security reasons," no one would tell me what qualifies as a history of large payments. (I guess my $800 payment last month and $600 the month before doesn't count.) Just a word of warning to fellow FCNB customers. I remember reading -- probably on this list -- that FCNB puts a hold on large payments, but I don't remember any quantifying what qualifies as a large payment. It appears to be $1,000. This normally wouldn't have been a problem, but we had an unexpected $150 vet bill. Maybe in the future I'll break it into two payments -- one via mail and one via my bank's online payment system.