I used citi forward before, and because of the low credit limit with high volatility of spending, I often have to use cell phone/website to make payment through checking account, and the experience is pretty good. citi forward available credit will recover immediate, no matter when I made the payment (midnight, weekend, all work)

Now I began to use Chase Freedom, though I have chase checking, but it's stupid that i can only make payment 3 days after last payment, and if I make payment after 8PM EST, the available credit will not recover until next day.

Such stupid design is pretty annoying, and for a couple of times, I have to wait until next morning to book tickets.

Today it's even stupid, I was unexpected to asked to pay for dinner of a group people (will get reimburse), and i realized I don't have enough credit, but the time is too late, the payment could be available the next day.

Is there anyway to avoid it to make life easier?

Thanks