How long did available balance take to update

Actually it is quite instant even at the bank-to-bank backend these days. Banks do make interest on money this way, plus there are some risk situations that probably trigger longer delay such as applicants whose credit score was lower at card issuance or interest rate higher. But really, it is instant.

It’s been weeks and my available credit hasn’t updated. I have nothing to pay but my available credit is still short of what it should be. Kind of annoying. Knowing it’s paid off but just seeing the available credit not being what it should be is whats bothering me.

Same issue here, money pulled from bank and cleared in 2 business days, total balance on the card changed instantly but 15 days later still no available balance update.

I should add that some transactions take longer to go through. I have had several transactions "pending" for over a day. I am not worried though because it is telling me that my payments are not due until October 31.

The problem is that bank transactions take time. We have gotten used to a lot of things being instant and that I fear is contributing to a lack of patience. There is nothing wrong with waiting especially if it is with something as important as our finances.

I’ve been having the same issue since Monday 10/14. I paid my balance in full, money was taken from my Chase account right away and cleared next day, but my Apple Card available balance hasn’t updated. I’ve also gotten the same response from support. It could take several days. Funny thing I paid my wife’s card off a few weeks ago and it updated within seconds, same bank account and everything......

Experiencing the same issue here. I use Amex, discover, and BOA. And none of them ever once took this long to reflect on available credit.

I hate to be negative but also don’t want to dishonest but I was super excited to get the “future” credit card so I’m quite disappointed on this aspect. No complaints about 0 fees. I mean they are new to consumer credit card, I’d give them a few more years to really get the business pumping

Okay this is all crap! I’m beyond annoyed as my husband and I both bank at the same bank. We both paid towards our balances on the same day 11/2. His available balance updated Monday 11/4. It’s now Wednesday 11/6 and I am still waiting. I got the same BS line from a rep at Goldman Sacs that it’s on my bank and to call them. I did and my bank said it’s on Goldman’s side because my payment is showing it left my account. Here’s where I think the issue is... my husband has a much higher line of credit than I do. His was available the next business day after his payment and I am still waiting in the dark... To me this seems fishy.

They still should answer properly why this is a problem. I’m still chatting with them and they are still trying to put it on my bank. It’s obviously not my bank if my husband banks at the same bank. Also they should put in their documentation (I’ve read through it) that if you make a payment with Apple Cash, you balance updated immediately. They have also been VERY inconsistent with when the available balance is updated and my first 2 payments were immediate and since then it has changed to 2 business days and now to 3 or longer. This is really annoying.

I'm very upset and not satisfied at all, I spend way to much money on apple for stuff like this to be happening Apple has never disappointed me but this for sure is bad for business. I never experienced a situation like this before , this shouldn’t even be a problem for ANYONE I just simply want my credited money and waiting 7 days or more is way unacceptable. My available balance is only $250 and they can’t even add that back to my account yet so I couldn’t imagine having a higher balance that they didn’t give back so Shame on Apple big time for this .

Best answer I’ve seen to this. I came here trying to find out why it’s taking so long to update my available balance. I’m glad (and sad) to see I’m not the only one. My payment made last Friday cleared my bank on Monday and I’m still waiting on my available balance to be reflected. Making a secondary payment through Apple Cash updated immediately. It’s just frustrating being without the buying power of cleared funds and a card available balance that doesn’t reflect those funds.

Interbank electronic transfers don't take time. They are instant. Back in the day when you had to write a check, mail it, wait for the post office to deliver it, wait for someone at the bank to open your payment and then go through the process of "cashing" your check .... it took time. With electronic payments it just takes a few moments.

There is no legitimate reason for a bank to hold money and not post the credit to your account. But I can think of reasons why it's more profitable for the bank to drag their feet.

It looks like Goldman is hanging on to the money to collect interest for 10 days! Also, they want you to keep money on Apple Cash. They are working to get all your money under their control. Going back to using Chase and Citi cards!

You can call and chat and it doesn’t change things. Mine cleared my bank and ten days later still waiting for avail credit to show. Unbelievable. And highly disappointing. They are sitting on the money as it gains interest to their advantage. Old practice and unfortunately a loophole to their advantage,they can get by with in accounting practices- unethical in most financial businesses.

I paid 11/28. Withdrawn from my account 11/29- still waiting on available credit to post 12/8. Contacted Apple and Goldman Sachs multiple times. Highly unethical accounting practice. Holding money to gain week long interest.