Twice in the past three months year I've put money onto my Visa card only to find that while the money went from my bank account on the day I made payment, several days later it's still not showing in my Visa account.  The first time it was over a week before the money showed up and that was only after I'd made several phone calls to find out where it was.  This time its now over three days, paid mid afternoon on Friday and still not there tonight.  

I know the weekend extends things, thought I can't see why it should in this day and age of Electronic Funds Transfer. The money is transferred almost immediately when you do an EFTPOS transaction no matter the day.  However this payment was made before the weekend and I would have expected it to have been processed on Friday. 

One of the real problems with Visa is there is no way to contact them, try going on line and clicking the contact us link, all you are able to do is request a media pack which isn't exactly all that helpful.  The only way to get hold of Visa is through your bank during normal working hours.

There's some real disconnects in the banking system.  If it's possible to make immediate payments between some banks why can't the likes of Visa get their act together?

Has anyone else experienced similar issues?