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I have a new discover card. I wasn’t exactly sure when the Statement was going to cut, so I made PIF. I PIF on the Statement date, before 5pm. It still cut with a balance and reported the balance. Could be because it was my first payment. YMMV
If u made the payment before 5pm and the purchase post before the statement closes, it will report a $0 balance.
I know that, i'm talking about when the charge posts.
Are you pushing the payment to Discover or pulling it from your checking account? I have always pushed my payments to Discover and they take at least a day usually three days. So if you try it, I would suggest you pull the payment to Discover.
If you do it tonight by midnight it's possible.
But in my experience, an extra payment on the closing date never worked..especially on a Saturday.
Also, with the holiday. The charge probably won't post until Monday anyway.
If Discover allows multiple payments in thew same month I would pay the minimum payment as soon as you get the new statement and then wait till the last moment to pay the rest off. In this way you won't have a late payment. I would never wait till the last day. Too many horror stories here.
By law, even if it takes several days for the payment to post, banks have to credit your payment as on time if you initiate it before the close of business on the due date. That doesn't mean it's a good idea to wait until the bitter end, though. It becomes a pain in the butt if something goes wrong.
However, there's no such guarantee if you're trying to pay by the statement cut date or any other self-imposed deadline.