Your Capital One Platinum payment will post by midnight on the same day it is received, as long as you submit it before 8 p.m., ET Monday-Saturday. Otherwise, it will post the following day, by midnight.

It is important to note that when a payment posts to your account, the amount submitted will not immediately be available. Posting only means the payment has been processed and your account will reflect that payment was made. Funds will be available by 8 a.m. the day after the payment posts.

Here are the Capital One Platinum posting dates:

• Payments submitted before 8 p.m., ET, Monday-Saturday will post the same day by midnight. Funds available by 8 a.m. ET, the day after the payment posts.
• Payments submitted after 8 p.m., ET, or on a Sunday/holiday would post the next day by midnight. Funds available by 8 a.m. ET, the day after the payment posts.
• ACH payments made through your Capital One Platinum online account, mobile app, Eno, or IVR (Interactive Voice Response) payments made through the phone number on the back of your card may post immediately following the transaction.

Regardless of how you choose to pay your Capital One Platinum bill, it's always a good idea to not wait until your due date to make a payment. Give yourself enough time to allow for system outages or slow mail delivery. Payments not received by 8 p.m. on the due date, or that are less than the minimum amount due will be considered late and will be charged a late fee up to $40.

A credit balance refund on the Capital One Platinum Credit Card is a reimbursement for paying more than the total balance owed on the credit card. For example, a cardholder who has a balance of $500, but pays $600, can get a credit balance refund of the $100 that they overpaid.

Cardholders can request...

Capital One Platinum does not have a sign-up bonus or any ongoing rewards. The main benefits of having the Capital One Platinum Card are that it has a $0 annual fee and it reports account information to the 3 major credit bureaus each month.

If you're in the market for an initial...

The Capital One Platinum credit card exchange rate is Mastercard's exchange rate on the date you make an international purchase. Mastercard exchange rates change on a daily basis, and they update these rates each day on their website.

While credit card exchange rates normally also include foreign transaction fees, the Capital One Platinum credit card...

No, the Capital One Platinum Credit Card does not have return protection coverage. Return protection is a benefit that offers reimbursement for undamaged, working items purchased with a credit card that cannot be returned to the merchant within a certain number of days of purchase. This benefit is becoming rarer as time goes on, however,...

There is no Capital One Platinum concierge benefit. Cardholders with questions about their account can call the phone number on the back of the card for assistance, but the customer service representative won't be able to perform the wide range of services provided by some credit card concierges.

A...

The main Capital One Platinum requirements are that an applicant must be at least 18 years old with a valid Social Security number or Individual Taxpayer Identification number. Applicants must also have a physical U.S. address, enough income to make monthly minimum payments, and at least limited credit.

Capital One Platinum Requirements