<prompt> Human: I know that credit card vendors take their time to submit payments, and so when you use your credit card or rather, debit card as a credit, it can take multiple days for your account log to reflect that.My question is, why is this the case? Obviously the vendor checks that I have the money in the first place, and knows how much I am spending. Why cant the bank immediately deduct that amount? I know gas stations commonly check for more than you spent to account for how much gas one might buy, but just a few minutes later they know for sure how much I bought. Why cant they immediately deduct the correct amount from my account.Second question: Are there any banks or credit cards that DO work like this?Thanks  <response>: Serendipity!Marketplace did a story on this just the other day 