Discover payment question by 5pm or 12am ?EST

[Anonymous]

Asking for someone else. It's not my card although there is a charge on there that is mine.

I find this confusing. Do they mean by midnight 4/18 and it will post TODAY? Because selecting today's date in the payment section isn't even an option anymore. The account is not past due. We were just wondering.

T

[Anonymous]

As long as the payment is submitted prior to the time constraint, it should be time stamped accordingly and applied prior to the deadline and you will be fine.

[RobertEG]

Under the Fair Credit Billing Act (FCBA), payments received prior to 5PM on a given date must be credited as received on that date.

A creditor can establish a later time, such as midnight, but cannot establish a time earlier than 5PM on the due date.