Why do you put payments as posted then draft it days later? Even with your own money account!! Whenever I log in I use my points to transfer to money account so I get the max amount, then apply it to my credit card. I figured I forgot to do this, since all payments showed as posted. So I put the $27 or so towards the credit card. Boom returned payment and a $35 charge because of this? Why is there a 4 day delay before you pull the money from your OWN banking institution?