Cap1 billing question on my CC

[Duncanrr]

Forgot I had a $14.95 charge on my Cap1 card.  I paid it tonight but it was after 5:00 pm so the payment will be processed tomorrow.  My statement cuts tomorrow (1/24/13).  So the question is what balance will my card report? $14.95 or Zero!

Kicking myself for not checking this sooner but I didnt think I had any charges on the card (I had PIF the card about 8 days ago and hadnt used it since.)

[ilovelisa]

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@Duncanrr wrote:

Forgot I had a $14.95 charge on my Cap1 card.  I paid it tonight but it was after 5:00 pm so the payment will be processed tomorrow.  My statement cuts tomorrow (1/24/13).  So the question is what balance will my card report? $14.95 or Zero!

Kicking myself for not checking this sooner but I didnt think I had any charges on the card (I had PIF the card about 8 days ago and hadnt used it since.)

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I would think it would report as $14.95 because the payment was not processed before the statement.

[visorboy1974]

As long as the statement cuts after business tomorrow, it'll be $0.

[ilovelisa]

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@ilovelisa wrote:

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@Duncanrr wrote:

Forgot I had a $14.95 charge on my Cap1 card.  I paid it tonight but it was after 5:00 pm so the payment will be processed tomorrow.  My statement cuts tomorrow (1/24/13).  So the question is what balance will my card report? $14.95 or Zero!

Kicking myself for not checking this sooner but I didnt think I had any charges on the card (I had PIF the card about 8 days ago and hadnt used it since.)

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I would think it would report as $14.95 because the payment was not processed before the statement.

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Although, if they cut the statement at 5 tomorrow, but process your payment before that then it should be 0.

[CribDuchess]

Hmmmm.....I swear this happened to me once a few months back and I ended up with a zero balance on my statement.  Of course, this is Cap One we're talking about, so obviously YMMV.

[Wolf3]

My bet is Zero.

[Duncanrr]

Thanks for the replies.  I hope its zero.  I have higher than normal UTIL (about 30% on my NFCU - 8.4k balance and 14% on Walmart Discover - 700 balance) and I'm trying to keep my other cards in check while I pay off my holiday/remodel spending.

[nicholasyud]

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@Duncanrr wrote:

Forgot I had a $14.95 charge on my Cap1 card.  I paid it tonight but it was after 5:00 pm so the payment will be processed tomorrow.  My statement cuts tomorrow (1/24/13).  So the question is what balance will my card report? $14.95 or Zero!

Kicking myself for not checking this sooner but I didnt think I had any charges on the card (I had PIF the card about 8 days ago and hadnt used it since.)

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Maybe set up an auto paid for CApital One then you wont forgot Duncanrr......But what really matter thou ??? I know you wont apply for anything for awhile from now right ??? give MY BUDDIE CAPITAL ONE a break lolll

[Duncanrr]

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@nicholasyud wrote:

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@Duncanrr wrote:

Forgot I had a $14.95 charge on my Cap1 card.  I paid it tonight but it was after 5:00 pm so the payment will be processed tomorrow.  My statement cuts tomorrow (1/24/13).  So the question is what balance will my card report? $14.95 or Zero!

Kicking myself for not checking this sooner but I didnt think I had any charges on the card (I had PIF the card about 8 days ago and hadnt used it since.)

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Maybe set up an auto paid for CApital One then you wont forgot Duncanrr......But what really matter thou ??? I know you wont apply for anything for awhile from now right ??? give MY BUDDIE CAPITAL ONE a break lolll

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No apping.  I just got BCP and Discover It.  I have some higher than normal UTIL and wanted to control my other posted balances while I pay off the other two cc's.

P.s. can you setup a Autopayment to PIF a day before your statement cuts?

[ceemee2203]

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@Duncanrr wrote:

P.s. can you setup a Autopayment to PIF a day before your statement cuts?

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Not from your bank. They use the statement to get the amount to pay. If it's an autopayment, you can set your bank to pay the same amount on the same day the charge hits your card, that's what I do. Sometimes the payment clears before the charge even hits though.