Chip Lupo, Credit Card Writer
@CLoop
It takes 1 to 3 business days for a credit card payment to post to your account if you pay online or by phone. Payments by mail will take a few days longer. If your credit card is linked to your checking account and both accounts are from the same bank, your payment may post immediately following the transaction. Your issuer’s payment timelines are included in your monthly statement, or you can call customer service for more information.
In order to understand how long it takes an issuer to post your credit card payments, it’s important to know the difference between “credited,” “posted,” and “cleared.” When you submit a payment, the amount is credited, meaning the issuer recognizes you paid it. But it may not post, or be reflected in your available credit, for another day or two. When a payment is cleared, the issuer has actually received the money. As long as your payment is at least credited by the due date, it’s considered on time, assuming the transaction goes through.
To avoid any worry about how long it will take for a credit card payment to post, set up your account for autopay. This feature automatically debits your bank account for a pre-determined amount on the card’s payment due date. As long as you have enough money in the account to cover the transaction, your payments will never be late. You should be able to set up autopay online or by calling your issuer’s customer service department.
2023's Best Credit Cards
Compare Cards
Michelle Cooper, Member
@Elle_Cooper78
So my experience so far is that it takes almost a week, 5 business days. I made a payment Wednesday, it was marked received. Today, 5 business days later it's marked processed, but it's still not reflected on my account, it's irritating because I can see that they got the money and it's still not posting to my card
Jamie Thompson, WalletHub Analyst
@ExTaxMan
The specific timeframe in which a credit card payment posts to your account will depend on your credit card issuer and when your payment is received. For example, a Capital One payment submitted by 8 p.m. ET Monday-Saturday will post by midnight on the day it’s received. Chase also posts payments the same day, but only if they’re received by 8 p.m. ET Sunday through Friday. Payments received outside those timelines for either issuer typically post the next business day.
@bernedettecole0601: I agree 1000 percent not only do I pay off my card couple days after using it, the payment is out of my bank immediately, capital one says received it, but doesn't release my available credit, I log in says ZERO balance, with 42 dollars available credit out of 500, stays that way for 2 weeks!! Worst part is my credit score takes a hit when experiencing looks at it monthly and sees you used 85 percent of you available credit
My capital one card is paid in full ways a few days after I make a purchase, which I use it maybe 2 times a month, the fund are out of my account through a bank debit card within hours but capital one does not post it cleared sometimes up to 10 days!! Called them today, got some BS answer that my account is new and ots suspicious to pay in full right after using it, they hold the money so my credit usage is way up my available credit is way down, then my credit score takes a hit, 6 months now is not a new account with perfect pay off history, got a new card and closing this BS account even though its my oldest account
This is not true!! Twice my payment has taken two weeks from capital one. Just like every other credit card I have, all of my payments take more two weeks. I've never had this issue before covid and I am concerned that I'm paying more interest due to this. I pay my balance in full.how is this legal. I'm actually trying to pay my bills and I feel penalized for it.
People also ask
If I pay my credit card early can I use it again?
Yes, if you pay your credit card early, you can use it again. You can use a credit card whenever there’s enough credit available to complete a purchase. Your available credit decreases by the amount of any purchase you make and increases by the amount of any payment. So paying… read full answer
show lessWhat is the Capital One credit card payment posting date?
A Capital One credit card payment made before 8 p.m. ET Monday-Saturday, will post on the account at midnight on the same day it is received. Otherwise, it will post the following business day.
When you submit a Capital One credit card payment, it is important to note that when… read full answer
show lessDid we answer your question?
I paid online and by phone and it took 7-10 days for mine to show on my credit available
I will never use Autopay. I have a credit card with BOA that I had just refinanced at $0 intetest until 11/2021. I made the first minimum pmt of $50. The very next day, they invaded my bank acct and tried to take the whole refinanced bal of $4600. No emails telling me they were doing it. No texts. Needless to say my checking acct was frozen by my bank and I had no access to my money for an entire weekend. And when I called they told me I had autopay, which I had never turned on. They had to post the bal back onto my acct. When that happened, their computer did the debit but made a major error in that they credited my checking with $4600. Then they realized there was an error and they debited back the '$4600 to my credit card such that my bal became $9200! (Credit line only $5000!) Of course in the midst of all of this, my bank was charging me NSF fees left and right. I was eventually told that autopay was turned on by me on 6/11/2020 (the same day that I paid off my remaining balance of $18). Just a word to the wise: never, ever trust autopay in a bank that claims you turned it on when it was really their system that did it.