Time wasting & no answers

<p>After completing a credit card transaction & transferring additional funds into my credit card I realised my avaliable limit was still less than expected. The 1st time I called I was told the reason for this was that the transfer was done on a weekend and I must wait until Monday to check again. I checked again and when it had still not changed I called again. Once again I was told I must wait an additional day for the funds to clear. When on Tuesday the available balance still seemed incorrect I phoned a 3rd time. After about 35mins of going though all the payments and transfers with no luck I finally realised the issue was probably a duplicate payment. The only reason I figured this out was that I had the same issue of a duplicate payment several months back. I am unsure which party is at fault when it comes to duplicate payments, whether the bank or the party receiving the payment. But each time this has happened I've had to waste a fortune of time(just my last call was about 40mins) and money on these calls in the interest of figuring out the problem on my own.</p>