Credit cards are very touchy items. I have two banks, I have attempeted to use one my own credit card checks at each, one puts a 30 hold on the funds (it is my check and my account at the bank) they have told me it takes 3 to 5 days for them to get their funds and too often the depositor will cash the check, then use his card and excedes his limit, at which time the check bounces) my other bank makes the funds immediatly available to me. Even some banks are leary of credit card checks.