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Regular Contributor
percy81
Posts: 177
Registered: ‎02-05-2012

Question about paying chase freedom

Hello, my Chase Freedom cards closing date is on the 10th and I want to pay the balance in full before then, but yesterday I took advantage of the gas rewards and filled both my hubbys car and mine forggetting that the closing date is near. So now I have  pending charges waiting and you're only allowed to make a payment every 3 days!! Do you think the pending charges will post by tomorrow? and if yes, and I pay in full tomorrow will that payment post in time for the statement to cut on the 10th??

 

I already let my Discover report a balance because i'm taking advantage of the 0% APR, but chase is my go to card and I want it to report 0

 

ANY HELP will be very much appreciated. :smileyhappy:

Current: TU 753 EQ 755 EX 753 (GE credit pull)
Goal 800+
WHAT'S IN MY WALLET: Chase freedom 3,300 /Discover IT 2,250/ Zales 6,000/Care credit 10,000 / kohls 1,500/ LensCrafters 2,400/Capital1 platinum 1,000
Valued Member
boomersooner02000
Posts: 32
Registered: ‎03-26-2011

Re: Question about paying chase freedom

Push the payment from your bank account, but with today being Friday I would say its to late
Super Contributor
enharu
Posts: 6,889
Registered: ‎02-27-2013

Re: Question about paying chase freedom

[ Edited ]

if u make payment at a branch before 5PM EST, it should post by 9th at 12am.

 

or if you make the payment online using your Chase checkings/savings before 5pm EST, it will post on the 9th at 12am as well.

 

If you're using other banks, it will take a few days. Chase do not update their systems on weekends.

 

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).
Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012

Re: Question about paying chase freedom

Usually you can pay a certain amount above your balance. If the pending charges are less than 10% of your full balance, you can PIF those too if Chase allows to make a payment that is 110% of your balance. Capital One allows this but not sure about Chase because I haven't made my first payment yet since my card is new.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Regular Contributor
percy81
Posts: 177
Registered: ‎02-05-2012

Re: Question about paying chase freedom

I tried to do that, I went on my chase checking to force payment and it will only allow me to pay the posted balance. They don't do payments on saturdays and my statement cuts on sunday....I wonder if i'll still have til 5 p.m on sunday to pay the pending purchases? Do they cut statements first thing in the morning? or wait til like 5 p.m to give people a chance to pay off? 

 

Learning a lot here.

Current: TU 753 EQ 755 EX 753 (GE credit pull)
Goal 800+
WHAT'S IN MY WALLET: Chase freedom 3,300 /Discover IT 2,250/ Zales 6,000/Care credit 10,000 / kohls 1,500/ LensCrafters 2,400/Capital1 platinum 1,000
Moderator
Revelate
Posts: 8,322
Registered: ‎12-30-2011

Re: Question about paying chase freedom

Not sure how it'll affect things, but the charges are unlikely to post before Sunday either in that instance.

 

I wouldn't worry about it overly much, we're talking short-term ding if any.  If you're in the mortgage process and it does affect things, can always rapid rescore it worst case. 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 679, EQ 8 708, TU 711, EX 702* (07/14/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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Moderator
09Lexie
Posts: 24,395
Registered: ‎09-13-2012

Re: Question about paying chase freedom

[ Edited ]
@ percy81 wrote:
Re: Question about paying chase freedom
‎03-08-2013 06:28 AM

I tried to do that, I went on my chase checking to force payment and it will only allow me to pay the posted balance. They don't do payments on saturdays and my statement cuts on sunday....I wonder if i'll still have til 5 p.m on sunday to pay the pending purchases? Do they cut statements first thing in the morning? or wait til like 5 p.m to give people a chance to pay off?

Learning a lot here.


Chase takes payments on Saturdays if you walk it into the branch.
Regular Contributor
percy81
Posts: 177
Registered: ‎02-05-2012

Re: Question about paying chase freedom


09Lexie wrote:
@ percy81 wrote:
Re: Question about paying chase freedom
‎03-08-2013 06:28 AM

I tried to do that, I went on my chase checking to force payment and it will only allow me to pay the posted balance. They don't do payments on saturdays and my statement cuts on sunday....I wonder if i'll still have til 5 p.m on sunday to pay the pending purchases? Do they cut statements first thing in the morning? or wait til like 5 p.m to give people a chance to pay off?

Learning a lot here.


Chase takes payments on Saturdays if you walk it into the branch.

Thanks, I may do that!

Current: TU 753 EQ 755 EX 753 (GE credit pull)
Goal 800+
WHAT'S IN MY WALLET: Chase freedom 3,300 /Discover IT 2,250/ Zales 6,000/Care credit 10,000 / kohls 1,500/ LensCrafters 2,400/Capital1 platinum 1,000
Established Contributor
CribDuchess
Posts: 589
Registered: ‎09-12-2011

Re: Question about paying chase freedom

You can actually call them and make a payment by phone on a Saturday.  I did this a couple of weeks ago and the payment posted that same day.  My statement was going to cut the next day (Sunday) and I wanted to have a zero balance.  The other issue I had was that I had made an online payment the day before (Friday).  My son had used the card on Thursday for a small charge (less than $10) and it finally posted on Saturday, even though I was thinking it would still be pending until Monday.  Anyway, Chase only lets you make a payment from the same bank account every 3 days.  So in order to make that Saturday payment, I had to pay using a different bank account (this is what the CSR told me when I called).  I had two different bank accounts set up to pay from, so it wasn't a problem.

FICOs: TU08 841 6/3/14 per Wally; TU98 800 4/8/14; EQ04 769 6/8/14; EQ08 810 6/10/14; EX 805 6/12/14 per MyFICO

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex Costco TE $15K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom MC $7.5K; Citi Simplicity Visa $15.1K; Discover IT $22.5K; Sallie Mae WMC $12.5K; US Bank Cash+ Visa Sig $20K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Valued Contributor
Swapmeet
Posts: 1,312
Registered: ‎11-10-2012

Re: Question about paying chase freedom

[ Edited ]

I doubt that the charge will even post by tomorrow, so I do not think that the pending charges will be included in your statement.

My Wallet: WalMart: ||13.5k|| USAA Platinum MC: ||13k|| Amex Delta Gold: ||2k||; BCE: ||9k|| Chase Freedom Siggy: ||10k||
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Barlays Arrival World MC: ||10k||
Fico Scores: EQ 760 (SW),TU 757 (Walmart), EX 738 (myfico) Last app: Arrival World MC 2-1-14

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