Chip Lupo, Credit Card Writer
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. You can also call your bank’s customer service team 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 process of making a payment.
How the Credit Card Bill Payment Process Works
- When you submit a payment, the amount is usually credited on the same business day. This means the issuer recognizes you paid it. As long as your payment is at least credited by the due date, it’s considered on time, assuming the transaction goes through.
- The payment usually posts (or is reflected in your available credit), in 1-3 business days. Some credit card payments may take longer to post, depending on the issuer and the payment method used.
- A few days after paying your credit card bill, the payment will be cleared. This means the issuer has actually received the money.
To avoid any worry about how long it will take for a credit card payment to post, set up 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.
Michelle Cooper, Member
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
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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.