contact your bank and check - i thought they had a longer amount of time than four days - the initial transaction puts a hold on the funds for a certain period (with ANZ, it's up to six working days) but the money isn't actually deducted until the vendor reconciles their transactions - which can be longer again. i know my visa debit shows most transactions as authorised but the money is just "held" and unavailable for me to use for up to a few days. one of the local shops is notorious for taking four or five days for transactions to show up - drives me batty!