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@Anonymous wrote:
That's what I thought, just another scam to get money out of people that might be late.
Do any "real" banks do this? Or just ones like HSBC?
By the way, I was driving down the street the other day and I saw a huge HSBC branch. I wanted to throw eggs at it. I did not know they had actual branches. I bet they probably have a "standard line" and an "express line" to stand in for the tellers but they charge xtra for the express. Probably charge their own banking customers to use the ATM inside. Who would bank there??!!
Justn wroteon't forget the Parking Space and Entering Building Fees.
Jubeyy wrote:
That's what I thought, just another scam to get money out of people that might be late.
Do any "real" banks do this? Or just ones like HSBC?
By the way, I was driving down the street the other day and I saw a huge HSBC branch....what will I see next, a Bank of Delaware branch...can you IMAGINE?
I wanted to throw eggs at it. I did not know they had actual branches. I bet they probably have a "standard line" and an "express line" to stand in for the tellers but they charge xtra for the express. Probably charge their own banking customers to use the ATM inside. Who would bank there??!!
Message Edited by Jubeyy on 07-26-2008 08:52 PM
Jubeyy wrote:
Why can't all payments post the same day before noon M-Sa (or all payments post 2-3 days, like you said)? Because it is another oppurtunity to take advantage of a customer. No, $15 is not much, but can you imagine how much they rack up every month due to the people that are paying the $15?
@Watchmann wrote:@Anonymous wrote:
Why can't all payments post the same day before noon M-Sa (or all payments post 2-3 days, like you said)? Because it is another oppurtunity to take advantage of a customer. No, $15 is not much, but can you imagine how much they rack up every month due to the people that are paying the $15?Even in todays instantly connected world things don't happen simultaneously. Systems have to update, then communicate with other systems, wait for confirmation that payment has been enacted, etc, etc. Figure on two days, that is about as good as it gets.You can avoid all of this by just staying on top of your bills and pay them well in advance of the due date. That way there is no problem. That's part of your responsibility. If you forget until the last moment you will pay for the convenience of instant crediting. It is a service they offer, but you can avoid it by managing your money properly.
Cap One usually credits the account within 24hrs for me. But they always put a 10 day hold on the available credit. Like rite now I only have $4.12 available credit but I have $0 balance and I paid on July 17. They should release the funds today but they might not because its sunday.
Wesley23 wrote: My old Capital One card always credits my account with my payment before it clears my bank. Discover, on the other hand, seems to take 3 days and then some to clear a payment. I always make sure to PIF that card a week in advance.