It is my understanding that it takes SWA Chase visa 8 days in addition to 4-5 days for the postal service to deliver for a total of 13+ days to post a payment. I wish I would have known this before I applied for this card. I was charged a fee of $39.00 for being late and because that made me have a past due balance, my card was "frozen". SWA Chase Visa is not customer service oriented. THis is the card from hell!