Credit Card Balance Not Reflecting Correctly

<p>I have a credit card and cheque account. My credit card is automatically paid off on the 28th of the month from my cheque account.</p> <p><br />However most times the money is removed from my cheque account but does not reflect on my credit card account until days later.</p> <p> </p> <p>This month my credit card balance was settled on the 28th, however my available balance still has not been updated. This is now 6 days later.</p> <p><br />Last night I had 2 transactions declined because of insufficient funds.</p> <p>Please explain what is going on and how this will be corrected in future.</p>