Everyone it missed, thank your lucky stars! It may have been an application update gone bad during that time affecting only a number of accounts -- don't know, but it touched mine and they neve reported anything until I inquired about something completely different Just Today! (strange that only Escalation knew about it and un-enrolled me from the program, but never said or reported anything). I'm wondering if that's why many people were complaining about one single Credit Step???
You are correct, Wolf3, the negative balance is the problem condition. I made a follow-up call for clarity and the gentleman I spoke to earlier was indeed trying to say as an example, 'If you overpay your account (example: less than zero balance)...yadda, yadda, yadda'. I'm glad we've clarified that phrase or it would've opened a whole separate can of worms.
Finally, it was not too expensive for me to make sure my payments posted as quickly as possible. I paid this way to establish a good payment pattern during my first 6 months as well as always having my funds available for immediate use again (no fees). Next month, I'll begin using their Online BillPay, but NEVER snail mail -- I've read too many horror stories of missing or late physical payments to banks.
