Standard delivery timing for electronic transfers apply.
The charges are simply deducted directly from your checking or savings accounts.
We enjoy the 24-hour convenience ATM cards provide; so do crooks.
People who use their cards infrequently, may never know they're gone until thousands of dollars of damage is down.
Also see Why I’m weird about privacy and faking out address and credit card forms. I buy them in person at a Simon mall, and overall, I’m pretty happy with them. Hank Taggart agrees with me in his book How to Purchase Anonymously on the Internet, on both the details and the conclusion to use Simon. On the plus side, you can buy them with cash and without providing any identifying information whatsoever.
If you’ve known me for any length of time, you know that I’m a privacy freak. I’ve frozen my credit report with all three agencies. The worst part, though, is that I don’t use a credit card.