Based on what you have said, I would argue there is no expense yet because nothing has been purchased.

The money was deposited to the bank account, so technically it has not been spent yet.  The owner has just "taken the money in his/her wallet and put it in the left pocket" but still owes the money back to the wallet.

Accountess said:

that increases bank and increases the credit card payable

This is the same thing as saying, Debit the bank, Credit the credit card liability.