I have a 13k limit. I spend a lot on this card.

2 days ago I put an 8k transaction through for travel.

I have two more transactions for similar amounts scheduled for next week.

As a result of high spending, my current available is barely hovering over 4k.

I need to pay off the balance ASAP but for some stupid reason, it takes Chase almost a full week to post transactions. They debit the amount from your available credit, but then don't fully process the charges for at least 4 days (so far) making it impossible to transfer funds to pay off the balance and be able to use the card again.

This is very concerning as I will be in Japan in several weeks and will be spending considerable amounts each week. If each transaction takes up to a full business week to process, and then another four days or so to transfer funds from my Wells Fargo account to pay the balance, it's going to be very stressful and I will constantly have to be checking my account and monitoring all spending and finances, which is the last thing I want to do.

I know that an easy solution is just to request a higher credit limit, which I intend to do. However that still doesn't make up for the ridiculously slow time lag between a charge posting and processing on your account. If the amount has been deducted from your available credit IMO, then it should instantly register in your balance as a payable amount.

I find this not only very frustrating but also very counterproductive and unusual. I've never held a card before that operated in a similar way. Typically if a charge is posted to your account then it's incorporated into your balance instantly. The fact that it takes almost a full business week to process a charge, regardless of whether it's a hamburger or weekend bar tab or a 6k travel expense, seems absurd to me. Perhaps this is standard for US credit cards (I'm a recently emmigrated Canadian ex-pat) but I've never seen this before from TD Visa, Amex, etc. back home. Even my US Visa debit cards are an instantaneous process. What is the reason or purpose behind this exagerrated delay in posting and processing transactions? Surely it's not for protection as the amount is deducted immediately from your credit line and if there were any issues with a charge, you would not be able to act on it until it's fully processed and posted to yoru account regardless. So what's really going on? Is this standard with all American cards?