A payment is due by 7/28, and i paid it 7/22 online. i checked my credit card statement online...?

Question

and it is not yet posted as a completed transaction, but it is listed in pending charges. will the payment be completed by 7/28...? if not will i get a late fee charge?

Answer 1

Call your credit card company and ask what is going on.  I pay all my stuff online; when I do, it usually shows the date that the payment will be posted.  If you paid after "normal business hours", then typically it won't be posted until the next business day (which would have been Wed 7/23).  Have all your printouts/records when you call.

Where you can get hurt is if you pay online Friday night; it won't get posted until Monday.

Answer 2

This just happened to me..and they charged me a late fee..and won't adjust it back when I told them it said it was pending and it was paid before the date..they said if its still pending it hasn't been accepted and therefore was late..stupid credit cards..i have never had a problem with any other credit card doing this but the one card just likes to charge i guess.

Answer 3

Mail your payments in USPS with delivery confirmation if they continue to give you trouble.  Read the fine print.  It should say something like "payment must be received by such-and-such a date" or "payment must post by such-and-such date".  If it says the latter, find a new CC company.

Answer 4

It usually takes 3 business days.  You may see that it cleared today on the 25th.  My bank does the same thing.  Sometimes I don't get the alert until days after it cleared.