It takes up to 2 weeks for your payment to clear. They set low credit limits so that your month to month limit is easily exceeded. I have a Discover card by the real Discover and never have any issues, with a $12K limit. Sams lures you into a new card that pays 2%, but GE is the issuing bank...It comes with low credit limits, very slow payment posting (sets you up for excess charges & fees) and lousy customer service. The only good thing that I suggest, is to pay in person at the Club, that way you get a receipt & GE can't drag their feet in posting the payment.