Reply
Contributor
Amnesia87
Posts: 132
Registered: ‎12-07-2010
0

Re: Chase payment Due Today Sat, paid in cash and......


DI wrote:

barbaralee wrote:

I believe because he said in the beginning of the post "I forgot to set them in my online banking".



I saw that.  It only take minutes to set that up. 


+1

 

By paying cash, you are essentially having chase send itself a check... Why not just deposit the money, and then access the credit card's online payment system and pay from there? Seems like you have better chances of it going through today instead of Monday.


Starting Score: EX FICO: Unknown EQ FICO: 717 TU (CreditKarma): 713
Current Score: EX FICO: 737 EQ FICO: 752 TU (CreditKarma): 717
Goal Score: EX FICO: 760 EQ FICO: 760 TU (CreditKarma): 760


Take the FICO Fitness Challenge

Super Contributor
DI
Posts: 5,744
Registered: ‎01-28-2008
0

Re: Chase payment Due Today Sat, paid in cash and......

[ Edited ]
 
Payment due date Link to more information in a new browser window. 07/01/2011  Payment history
Payment date* Link to more information in a new browser window. 06/18/2011 ...
   
  
warning iconNote: If it is after 5:00 PM ET and your payment is due today, please call the number on the back of your card and speak to a service specialist. A fee may apply for same day payments made with the specialist.
Frequent Contributor
tsquad131
Posts: 474
Registered: ‎09-12-2010
0

Re: Chase payment Due Today Sat, paid in cash and......

+1

FICO scores - 727 TU(Walmart)/ 727 EX(Amex app)/ 721 EQ(Discover app)
In My Wallet: BankAmericard Cash Rewards($2,000), Discover More($3,000), Chase Freedom($2,000), Fidelity Amex($1,000), Sam's Club Discover($4,400), SallieMae 5% Mastercard($5,000), Amex BCE($2,000) ,Citi Simplicity($2,000), Paypal SmartConnect($3,100), Walmart Store Card($2,350), Chase Amazon Visa($700), Target RedCard($500), Capital One Cash Rewards($750), Best Buy Store Card($1,900), HHGregg($2,000), Amazon Store Card($1,250),Newegg Preferred Account($2,000), Park West($2,000), BankAmericard Travel Rewards($5,000)
Senior Contributor
john398
Posts: 3,526
Registered: ‎01-19-2009
0

Re: Chase payment Due Today Sat, paid in cash and......

 


Amnesia87 wrote:

DI wrote:

barbaralee wrote:

I believe because he said in the beginning of the post "I forgot to set them in my online banking".



I saw that.  It only take minutes to set that up. 


+1

 

By paying cash, you are essentially having chase send itself a check... Why not just deposit the money, and then access the credit card's online payment system and pay from there? Seems like you have better chances of it going through today instead of Monday


++1
Regular Contributor
shadow2k
Posts: 108
Registered: ‎01-04-2008
0

Re: Chase payment Due Today Sat, paid in cash and......

[ Edited ]

Not that I recommend doing this, but...

 

In most cases, as long as your payment posts to your account before the next bill prints, you won't be considered late. 

 

I'd guess your statement cuts on or around the 25th of each month.  Then it's "due" 25 days later, the 20th of the next month.  So I'd be willing to bet you have nothing to worry about.  Again, I don't recommend doing this normally, but I think you'll be fine.

Moderator Emerita
Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,098
Registered: ‎04-01-2007
0

Re: Chase payment Due Today Sat, paid in cash and......

I have to say that if I were OP, I would have thought that giving cash to a Chase employee would be better (faster, more likely to "count", etc etc) than paying online.

 

His post is an eye-opener that this isn't so.

 

From the original post (sorry, I tried to indent, but the html editor went bersek):

 

I am like "Umm its a cash payment at 9:30 in the morning and you are not crediting me today? How would I actually be expected to pay the bill on the due date?"

"Just call card services."

Which I did. And they are "noting in my account a payment was made on the 18th.

I just do not understand, ITS CASH. THEY TOOK THE CASH TODAY.

 

OP, does this mean that in the end, you did get credited with a payment on time, but you had to call the CC department for it to happen?

 

* makes mental note *

 

Maybe this is one of those age-related things, where those of us who used to do financial business face-to-face with actual human beings still think that that's the preferred method. All you young whipper-snappers may now go ahead and laugh.  :smileyvery-happy:

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Super Contributor
DI
Posts: 5,744
Registered: ‎01-28-2008
0

Re: Chase payment Due Today Sat, paid in cash and......


shadow2k wrote:

Not that I recommend doing this, but...

 

In most cases, as long as your payment posts to your account before the next bill prints, you won't be considered late. 

 

I'd guess your statement cuts on or around the 25th of each month.  Then it's "due" 25 days later, the 20th of the next month.  So I'd be willing to bet you have nothing to worry about.  Again, I don't recommend doing this normally, but I think you'll be fine.


There was some discussion about that's how it works with AMEX.  But with other banks, if the bill is due by the 25th, they want it by that date and before a certain time.

Super Contributor
DI
Posts: 5,744
Registered: ‎01-28-2008
0

Re: Chase payment Due Today Sat, paid in cash and......

[ Edited ]

haulingthescoreup wrote:

I have to say that if I were OP, I would have thought that giving cash to a Chase employee would be better (faster, more likely to "count", etc etc) than paying online.

 

 

Is it a store card the OP was paying?  If so, then paying in cash at the store would be faster. 

 

Moderator Emerita
Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,098
Registered: ‎04-01-2007
0

Re: Chase payment Due Today Sat, paid in cash and......

[ Edited ]

 


DI wrote:

haulingthescoreup wrote:

I have to say that if I were OP, I would have thought that giving cash to a Chase employee would be better (faster, more likely to "count", etc etc) than paying online.

 


Is it a store card the OP was paying?  If so, then paying in cash at the store would be faster. 


No clue. But again, that's counter-intuitive to those of my generation (or to me, anyway) who think that giving cash to an employee of the financial institution who wants the money would be the most efficient method.

 

I do understand (now) why that isn't necessarily so (the credit division being somewhat separate from the banking division.) I just know that if I woke up in a panic on a due date, and there was a branch around the corner, I'd be there in my jammies and slippers, waving money around.

 

Very enlightening to find that this wouldn't be wise. Not to mention unkind to those having to regard my jammies and slippers.

 

 

edited after getting tangled up in triple negatives

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Valued Contributor
usmc58555
Posts: 1,668
Registered: ‎02-18-2009
0

Re: Chase payment Due Today Sat, paid in cash and......

Ok, Lets talk.

 

Its a Chase Freedom Card.

 

The Due Date was/is 6/18. Saturday. Today.

 

Online Billpay from my two main Banks/accounts USAA AND NFCU, (and even if I used my local Dollar bank) does not do weekends.


When setting the online bill pay I accidentally set it to Capital One one the 17th, when I logged into my account this morning I saw the error realized what I had done and immediately drove to Chase with cash to pay the bill.

 

My mistake? Yes. My Issue? Why make the payment due date a day that payment by mail or in the actual you know lending institution, won't credit.

 

I did call cardmember support and they said they would Note in the account that I had made a payment on the 18th and if I was charged a late fee I could call again.

 

I dont have an account at Chase, they are too fee-filled for me.

 

While calling card member services, I guess I could have done a same day phone payment, that option was presented to me.

Also On the phone with cardmember services she said that had I a checking account with Chase I could have deposited the cash into that today and then transferred the money online or via phone for a same day credit.


All in all I simply think its insanely stupid that a cash transaction at the actual bank of the account cannot get a same day credit when the due date is THAT day.

 

I mean the only solutions are Rube Goldberg work arounds?

 

Its a policy, one that I am sure is an individual institutions. Like it or love it I could close the account.

 

But again its amazing to me that a cash transaction was not getting posted today, Especially in this day and age of instant computer access and connectivity. I am sorry there really is no real excuse for it, its their own fraking bank. Target Gives same day credit, no matter what day you pay. Cash or check

 

 

Signature line begins:
Credit is not a right, but a business transaction, one that takes into account risk, and charges accordingly based on that risk.
Your credit score is an aspect of your credit profile. Important? yes but just an aspect. Contributing/supplemental information determines the finer point of the deal. Ask any question, respect me not to get mad if the answer is not the affirmation you are looking for,

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}