[No QA] Docs updates for E/A#87750 Add FAQ for pending card transaction submit error

docs/articles/new-expensify/reports-and-expenses/Create-and-Submit-Reports.md

@@ -1,7 +1,7 @@
 ---
 title: Create-and-Submit-Reports.md
 description: Learn how to use New Expensify’s report-first flow to create, edit, submit, and retract expense reports.
-keywords: [New Expensify, create report, submit report, retract report, add expenses, fix report, admin create report, create report on behalf, move expenses to new report]
+keywords: [New Expensify, create report, submit report, retract report, add expenses, fix report, admin create report, create report on behalf, move expenses to new report, pending card transactions, unable to submit report]
 internalScope: Audience is members and Workspace Admins. Covers creating, submitting, editing, and retracting expense reports, including admin-created reports. Does not cover approvals, reimbursements, or exports.
 ---
 
@@ -179,6 +179,10 @@ Unsubmitted reports will remain in your Open reports section. You can go back an
 
 The **Submit** button only appears once your report includes at least one valid expense. If the report has already been submitted, the button will no longer be visible. If your workspace has no approval workflow, the button will say **Mark as done** instead of **Submit**.
 
+## Why can’t I submit a report with pending Expensify Card transactions?
+
+If all transactions on your report are pending Expensify Card transactions, you'll see the **Submit** button but clicking it displays an **Unable to submit report** error. Pending transactions may take a few days to post. Once at least one transaction has posted, you can submit the report.
+
 ## Can I remove an expense after submitting?
 
 Yes. You’ll need to retract the report using More > Retract, depending on the report's state. Then you can remove or edit expenses before resubmitting.