If you’ve paid off your credit card but have no available credit, the card issuer may have put a hold on the account because you’ve gone over your credit limit, missed payments, or made a habit of doing these things. Other possible reasons could include making an unusually large payment, having a new credit card account, or making a payment from a newly-linked bank account. If none of these things apply, it’s likely that the payment simply hasn’t posted yet.
Depending on the payment method, the card issuer, and the payment date, a payment can take a week - or even longer - to post to a credit card account. The payment won’t be reflected in the available credit until it posts. Payments made through the card issuer’s website or mobile app during business hours should post in one day or less, while a mailed check will obviously take longer to reach the card issuer. If you need to know exactly how long a payment will take to post, call your card issuer.
However, these aren’t the only reasons your credit card’s available credit might not reflect a recent payment. If none of these apply to your situation, the holdup could be nothing more than a mistake.
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