Wait, you store your actual cash inside a credit account? I thought that savings/checking accounts stored your money and credit lines were simply lines of accounting that you borrowed against and paid back (sometimes with interest/fees) at a later date.
That said, if you get a credit card statement later in the month, you'll still have your checking/savings money to pay your bills and just dispute the credit card statement PRIOR to paying it in full. I mean, if you get a statement that says you owe $15 trillion dollars you're not going to go "well, guess I'll just mail the banks all that I have for now and hope i can pay it off before the sun explodes." No way. You'll call your credit card company or bank and dispute those fraudulent charges then and there.