I ordered and obtained a {$500.00} secured credit through Bank of America to help bring my credit score up. My first minimum payment of {$25.00} was due on XXXX. I paid {$250.00} towards my balance on XXXX. The standard processing and posting time for a payment is two business days. I went to use my card at the grocery store today and it was declined. I called BofA and was told my available credit was {$1.00}. The rep informed me that the payment was received but has not been posted. She had no answer as to why this was. I then spoke with a supervisor who also had no concrete answer as to why the payment has not posted. My concerns are as follows:1. I did my part and paid my bill on time and I should be able to use my card. It is highly embarrassing and inconvenient to be told your card is declined when in actuality it should n't be. 

2. The account that I paid them out of has more than ample funds in it for the transaction to go through without any issues whatsoever. 

3. Are my funds in some type of holding account that B of A is drawing interest from? 

4. My biggest concern is that I initially a requested the card in an effort to bolster my credit score. If my balance is not at least 50 % of the total balance at the end of any reporting period, my credit will negatively affected. 

5. How many othe consumers are having to deal with this? 

6. What if I encountered an emergency and was unable to utilize my card? 

I beg you to assist me in resolving this issue. At this point I do not know where else to turn. 

Thank you, XXXX XXXX XXXX 
