Why does it take so long for Apple Card payments to post?

Why does it take 10+ days for payments to post to the Apple Card / Goldman Sachs? I have reached out to customer service multiple times, and their answer is "it can take up to 2 weeks, especially with large payments." So you are holding large payments hostage for 2 weeks before releasing the available credit? Why on earth would Apple work with GS over any other reasonable bank?

The non-answers and the complete lack of desire to fix the problem is very unlike Apple.

Goldman Sachs, don't devalue the Apple brand with your questionable business practices. It is never acceptable to hold on to people's money for weeks.