A credit card transaction (depending on the card) can take 2-3 days to process. ACH billing takes about 3-5 days processing, but most banks favor ACH transactions over paper checks when making funds available.
The first definition of the phrase cheesy in the Urban Dictionary explains that the common use of the word now is not what it originally meant. It was originally used to describe someone who tries too hard or is inauthentic. The more common way it's used now is describing something that is funny.
1 : resembling cheese especially in appearance or smell a cheesy texture. 2 : containing cheese a cheesy sauce. 3 : of poor quality : lacking style or good taste We laughed while watching the old science fiction movie because of its lousy acting and cheesy sets.