The reason for the 24 hour hold is because it's quite common for banks to take some time to process payments. This is quite common for other games as well, and in some cases, the processing of the payment could take longer than 24 hours.
They can't exactly start a refund process for coins of which the purchase is still being processed.
Are you purchasing these coins directly via EA or are you using Steam Wallet Funds to purchase the Apex Coins?
If you are always buying it directly via EA, and you have been experiencing this issue for a long time, then I think it would be a good idea to contact your bank and ask if their payments are being processed properly to EA and if it actually is taking a longer time for those to be processed.
