Frequent Contributor
Posts: 364
Registered: ‎08-23-2011

Re: Chase Payment Policy

I fail to see a reason why someone would need to make a payment within 3 days, I have also heard of some people almost literally using a credit card like a debit card. They make a charge, then immediately go pay that single charge off. To me that is too excessive and unnessecary.


Really it is a waste of time and effort to be constantly paying a card every few days. Since my credit limits are high enough to where my monthly charges keep me at a decent util % I just let the balance report and pay the statement in full.


Only reason I can think of to make multiple monthly payments and I have done this before with my capital one 500 CL card is when the amount you charge per month is greater than your credit limit and you need to make a payment to keep from going over your limit or reporting an extremely high util, but if you have sufficient credit limits there is no need to make an excessive amount of payments and I have heard in some cases that triggers some sort of account review.

FICO Scores: TU: 768 (Jan 2012), EQ: 755 (Jan 2012 Lender pull)
Established Contributor
Posts: 554
Registered: ‎06-02-2012

Re: Chase Payment Policy

And if you have a csp then we know the limit is 5k or better. What Is the point of having a credit card if you are not going to use their money for 30 days?
"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank

"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar
Posts: 3,348
Registered: ‎10-19-2012

Re: Chase Payment Policy

trumpet-205 wrote:

thom02099 wrote:

Received my Chase Sapphire Preferred card a while back, and have been running up charges, well on my way to getting the "spend $3k in 3 months" reward or 40,000 points.  And as I've charged, I've also been paying.  Usually like to pay shortly after I charge something, so I can be done with it.  Imagine my surprise then, when I went to make a payment and received a message from Chase that, I'd made a recent payment and had to choose a date that was 3 days beyond the most recent payment date.  Why would they have a policy like that?  If I want to make a payment daily, or whenever, why should they place a restriction on payments?  I know, the obvious is to make money, but it just seems to be lousy customer service, and the only one of my many accounts that has this restriction.  I did do a customer satisfaction survey with Chase, and expressed my displeasure about this, but no response received. 

I believe it is because it costs them money to withdraw money. Chase is not the only one who puts restriction on payment. Citi limits you to 4 payments per month. 

Wow I didn't know this. Gotta be more cautious with Citi in the future ...

Community Leader
Senior Contributor
Posts: 3,950
Registered: ‎11-13-2012

Re: Chase Payment Policy

why not push it from the bank account with bill pay?  Discover also does not allow you to pay for pending transactions and I had no interest to have that card report 100% util and maxed out so I pushed it from the bankside and even overpaid so I could keep using it and still have a 0 balance.  At reporting it was a -400 $ saldo that reported 0 balance. 

Move the mouse over the cards for detailed view!
FICO® EQ 788 (as of today) - TU 777 (02/28).. ¦ ..Fako EX 808 (02/03 - CS)
Vantage score 3.0 TU 785 - EQ 805 (CK 03/05) .............................................bronze spade Garden Club Member

Valued Contributor
Posts: 1,123
Registered: ‎03-23-2012

Re: Chase Payment Policy

I know this is last year's post, but Chase has since changed their policy for making a chase cc payment from a Chase checking account. You ca no longer do a 'transfer' from checking to cc.

Now, paying using this method is subject to the 3-day rule. It happened to me last month.
Capital One QuickSilver 5K - AmEx Green NPSL - Amex Hilton HHonors Surpass 7K - Amex BCP 16K - Chase Freedom 4.5K - Discover IT 7.5K - LOC 2.5K
Super Contributor
Posts: 7,132
Registered: ‎02-27-2013

Re: Chase Payment Policy

You can still bypass this by calling in and making the payment over the phone.

if the funding source is a Chase checking / savings account, the available credit is freed up by 12am if payment was made before 5pm EST, and payment will still be reflected as made on the same day.


Or you could just walk into a branch.


JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011

Re: Chase Payment Policy

I also PIF quickly after charging with my Freedom. Never has this issue tho :smileyindifferent:

Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Regular Contributor
Posts: 198
Registered: ‎05-31-2011

Re: Chase Payment Policy

There's ways to bypass this.

Make payments in the branch, you can pay daily if you want, you can pay in excess of what you owe if you need.

What I do is to set it on auto pay, then 2 days later before the statement cuts make another payment. My payment due date is the 5th of every month for all 6 of my Chase card, so the full statement balance gets paid. On the 7th I make another payment for whatever remaining outstanding balance remains and I never have problems with low balances reporting.
My Cards
American Express Blue | American Express Premier Rewards Gold | Chase Amazon | Chase Freedom | Chase Sapphire Preferred | Chase United Explorer | Chase United MileagePlus Club | JPMorgan Palladium

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.