Bests & Worsts Reviews from Amazon

The verbiage on when funds will be available in your amazon account is very unclear, when reloading a gift card the confirmation screen states the reload will happen within 5 mins however the past three reloads have been delayed multiple hours when I reached out to an Amazon rep I was told that because I paid with my checking account and not with a credit card it would take anywhere from 4 hours to 2 business days, not worth the 2% perk they offer, extremely inconvenient. I will not use this feature again. Amazon should update their verbiage to state unless you are willing to put yourself into debt by using a credit card you will have to wait up to 2 business days. They state this is a safety feature to verify the transaction but it makes no sense that they would not verify a transaction made by a credit card only ones made by a debit card if their intention is to eliminate potential fraud then all cards should credit to your account the exact same way.