Lets say we have a practice of accepting large check payments on a business account visa and because we want to make sure the check clears before any funds are used on the visa we accept the check payment but do not make the funds available on the visa. basically we are placing a hold on the usage of the visa like we would do for a deposit to an account. Are we doing anything crazy? At first we thought Reg CC but its a business account and being applied to a loan. Help!