Same happens to me. I am trying to use my Credit Card like an AMEX card. I run up my limit each month and then pay it off in full every month. They put a hold on it every month. The funds clear my bank in 2 days, but Cap one will hold it for 10 days, unless I call and have the hold released. I was told if I wire the money it will not be put on hold. This month I will go to a branch and pay cash towards the credit card and see what their excuse is. I prefer a Credit Card with a limit, but I may end up going back to AMEX. I never had this probably with them.
