Capital One- paying before charge hits

[dddewdrop]

     My statement date for my Capital One card is the 21st of the month. Yesterday I send someone 190 dollars western union and used my Capital One card to pay for it. I want to make sure my account is at <9% util on statement day. I get my paycheck t'm iomorrow. Capital One will only let me pay 10% over what I owe on the bibilll through their payment on their website. the website shows this charge pending but it hasn't fully hit my bill yet. To make sure that I pay this before the statement date which is in 3 days, I am considering sending capital one money through billpay from BofA. That way I  can send them the full amount tom when I get paid and it should hit by the statement date. Should I do this or should I just wait a day or two and pay the bill through the Capital One online interface when the charge hits? It is not a huge huge deal if I don't pay it by the statement date because I am in the garden anyway for a few month, but I would really like to pay my account down to <9% util just to be in the habit of maximizing my score. Any suggestions? How long does a western union charge usually take to hit? will 3 days be long enough?

[Wolf3]

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@dddewdrop wrote:

     My statement date for my Capital One card is the 21st of the month. Yesterday I send someone 190 dollars western union and used my Capital One card to pay for it. I want to make sure my account is at <9% util on statement day. I get my paycheck t'm iomorrow. Capital One will only let me pay 10% over what I owe on the bibilll through their payment on their website. the website shows this charge pending but it hasn't fully hit my bill yet. To make sure that I pay this before the statement date which is in 3 days, I am considering sending capital one money through billpay from BofA. That way I  can send them the full amount tom when I get paid and it should hit by the statement date. Should I do this or should I just wait a day or two and pay the bill through the Capital One online interface when the charge hits? It is not a huge huge deal if I don't pay it by the statement date because I am in the garden anyway for a few month, but I would really like to pay my account down to <9% util just to be in the habit of maximizing my score. Any suggestions? How long does a western union charge usually take to hit? will 3 days be long enough?

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Just wait, after all, it makes no difference when you are in the garden.

[myjourney]

YMMV 

Usually my pending charges only take a day to post to my CAP 1 account so in theory you should be able to pay whatever amount you wish tomorrow.

[L0RDAVENTAD0R]

The real question here is how did you send someone money with your credit card? Western Union never lets me use my credit cards, .

[dddewdrop]

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@GMCSierraDenali wrote:

The real question here is how did you send someone money with your credit card? Western Union never lets me use my credit cards, .

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     Idk. I have been a western union gold card member for a while and have sent over 50k in the last 2 years. Not only could I send it with my credit card, even better, it wasn't counted as a cash advance. I know for a fact that you cannot send it with a credit card from the western union branch at my local supermarket, but online, i seem to have no problem doing that. I prefer to send cash but I had a short term liquidity squeeze so the credit card came in very handy.

[kk627]

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@GMCSierraDenali wrote:

The real question here is how did you send someone money with your credit card? Western Union never lets me use my credit cards, .

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I use my CC sometimes, but then I get hit with a cash advance fee.