Much of the time I do also receive texts notifications from credit cards when I use them. But others ocassionally get delayed unpredictably.
It started a couple of years ago and there are threads on TMO’s support site about this and a worse problem of calls being sent directly to voicemail with no ring. It happens with various phones: Apple, Android and even some sold by TMO. They changed their network during a big expansion and my guess is it was inadvertently introduced into some network setting then. They have never never really acknowledged it other than the lower level support people apologizing but not actually solving the problem.
I cured mine almost completely by reseting my phone’s SMS network settings by trial and error. That cured the problem almost completely, but it still happens sometimes.