how about 22 days ? I have just been caught by this one - In March I applied online for a GE Money card with 0% deal, and to transfer the balance from an existing credit card at 0%. My card duly arrived before the end of March and I naively believed the transfer would therefore be processed. On 3rd April I received the old credit card statement to find the balance hadnt been cleared & I had therefore incurred £23 interest. I rang GE who could not find the transfer instruction from my online app, agreed it was a problem they had and they would make the x/fr immediately. I then spoke to a supervisor who agreed to credit my £23 as goodwill. My GE statement at the end of April shows the x/fr out of my card on 03 April. Today my old credit card statement arrived. Lo and behold the credit went on it on 25th Apr - 22 days after being debited from the GE account. And I have now incurred £12 late fee and £43 interest on the old card so I still owe them £55 When I rang GE they said I was told (in the CCA) it took 15 (working) days to clear balance x/fers so I had no cause to claim.... I was NOT told on the phone it would take this long - otherwise I'd have made a min payment to cover myself. How can this be so - I expected 3-5 days for the normal "electronic" BACS system but not 3 weeks. Anyone had similar experiences / advice as to where I should start complaint please??