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Going to be late on a CC payment

Established Contributor

Re: Going to be late on a CC payment

Pay by check on Sunday online. I went and checked my history of payments and it seems Walmart is slow because every payment I have made has taken 3-5 days from when I initiated payment to it showing up on my bank. Leave Walmart out of it if you can. I think you will be okay.

 

 

Edited to add make sure you pay by 5pm ET on due date

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Message 11 of 15
Frequent Contributor

Re: Going to be late on a CC payment

I don't think I have ever had a scheduled payment come out of my account on a Sunday.  When I used to pay things on Friday, it never cleared until Monday.

2011: EQ 580~
2012: EQ 620~
2013: EQ 641, TU98 645, TU04 635, TU08 635, EX 648 (lender)
Closed on first home 4/25/13.
Message 12 of 15
Valued Contributor

Re: Going to be late on a CC payment

Can't make a $20 minimum pmt?

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 13 of 15
Regular Contributor

Re: Going to be late on a CC payment

Walmart has always taken 48-72 hrs to clear a payment. if you pay on sunday it wont be processed til monday which starts the 48 hr clock. You should be fine. Even still your bank may take some time 24 hrs as well before the system denies the check.

Starting Score: 5/2012 TU 595, EQ 565, EX fako 547
Current Score:as of 9/2012, TU 626,Walmart 612, EQ 600, EX fako 623
Goal Score: 640 by dec 2013
BofA Au 13000, Amazon 600, Capt1 300, Walmart 150
When all else fails pay it!


Message 14 of 15
Highlighted
Valued Contributor

Re: Going to be late on a CC payment

blackdust, are you there? Please let us know what happened.

Message 15 of 15