"Your available credit may not be adjusted immediately after payment is received. Payments are subject to payment holds. The length of this holding period will vary by payment type: Money Order: one day from the receipt of payment ClickPay: 7 days from the receipt of payment Personal Check: 14 days from the receipt of payment" How weird is this? I can understand the personal check part, but holding ACH payments for seven days??? Money orders for only a day? I can tell you that I used to work for a place that issued money orders and it would be far easier for someone to grab a stack of blank money orders and imprint them and use them than it would be to initiate a fraudulent ACH transfer. And even the 14 days for a personal check -- that's more than half of the account grace period. Since I have to imagine that most people pay their bill by check, it's a good way for NextCard to stop people from taking full advantage of their credit lines for the allowed grace period. Since I only opened my account last March, I haven't really had enough personal experience with NextCard to have formed a real opinion about them. I make sure to use the card at least once or twice a month but I've never really had occasion to call them about anything. I'm beginning to wonder if I want to keep this account. Providian, Capital One and Household/Orchard all let you pay online and have access to the portion of your credit line freed by your payment right away.