Delayed Transactions

Since having my account changed to a Prestige, I have been having issues with billing.<br> <br> When I swipe my cheque card, it sometimes takes weeks for the funds to be deducted from my account.<br> <br> I can understand that I need to be responsible and keep track of my transactions, but I am human, and sometimes forget.<br> <br> I knew that this would be an issue, and have spoken t consultants at the Grassy Park and Kennilworth branches.<br> <br> The lady at Kennilworth told me to get a debit card, which I had to pay for, so that my transactions could reflect immediately. The guy at Grassy Park said that she was talking nonsense, and that this was an issue that everyone including himself had to deal with.<br> <br> It peeves me that I now have a bad credit rating because of a transaction I made weeks before only came off after I no longer had sufficient funds for it.<br> <br> Surely there has to be a way for the funds to at least come off of your account even though the transaction is not listed.<br> <br> This is concerning because it meant hat if someone uses my card **********ly, they will bw allowed to spend as they like, and then I would just have a negative balance when the deductions reflect weeks later!!<br> <br> Help!?