topic Re: Capital One Autopay in Credit Cards

Capital One Autopay

Anonymous — Fri, 04 Nov 2016 21:44:51 GMT

I set up autopay for my Quicksilver card for the 20th of each month. I paid the current balance a few days ago [before my due date]. I was told my a customer service rep that if you manually make a payment the autopay will skip the current month due date and would be reset for the following month [12/20]. When I asked if I would still be charged with interest for any current balance I was told "If you are charged with the interest charge please contact us back we will see what best can be done for you after paying for full statement balance."

The rep seemed evasive to answering my question. Does anyone have any insight on this? Why would anyone want to request the interest voided, that's what I want to avoid in the 1st place! Suppose it's best to simply avoid making manual payemnts and instead allow the autopay system to take over. TIA.

Re: Capital One Autopay

FireMedic1 — Fri, 04 Nov 2016 21:42:08 GMT

I used auto pay for DTV years ago. It screwed up. Never did it again. Doesnt take long to login and you control your money. Not a computer. GIECO I have auto pay with but I pay it before it can take it. It cancels out the auto pay if paid before it takes it. I wont trust auto pay on a CC. Took to much work to get where I'm at to have a computer glich screw it all up. JMHO.

Re: Capital One Autopay

fltireguy — Fri, 04 Nov 2016 21:43:07 GMT

@Anonymous wrote:
I set up autopay for my Quicksilver card for the 20th of each month. I paid the current balance a few days ago [before my due date]. I was told my a customer service rep that if you manually make a payment the autopay will skip the current month due date and would be rest for the following month [12/20]. When I asked   if I would still be charged with interest for any current balance I was told "If you are charged with the interest charge please contact us back we will see what best can be done for you after paying for full statement balance."

The rep seemed evasive to answering my question. Does anyone have any insight on this? Why would anyone want to request the interest voided, that's what I want to avoid in the 1st place! Suppose it's best to simply avoid making manual payemnts and instead allow the autopay system to take over. TIA.

My experience with CapOne has been that if you manually make a payment, while being set up for autopay, it will STILL do the autopay, and possibly have you ending up with a credit balance like I had last month (same situation)

Re: Capital One Autopay

lg8302ch — Fri, 04 Nov 2016 21:56:52 GMT

@fltireguy wrote:
@Anonymous wrote:
I set up autopay for my Quicksilver card for the 20th of each month. I paid the current balance a few days ago [before my due date]. I was told my a customer service rep that if you manually make a payment the autopay will skip the current month due date and would be rest for the following month [12/20]. When I asked   if I would still be charged with interest for any current balance I was told "If you are charged with the interest charge please contact us back we will see what best can be done for you after paying for full statement balance."

The rep seemed evasive to answering my question. Does anyone have any insight on this? Why would anyone want to request the interest voided, that's what I want to avoid in the 1st place! Suppose it's best to simply avoid making manual payemnts and instead allow the autopay system to take over. TIA.


My experience with CapOne has been that if you manually make a payment, while being set up for autopay, it will STILL do the autopay, and possibly have you ending up with a credit balance like I had last month (same situation)

This is also what I experience with Cap1. I have autopay set up for the minimum payment only as safety net but pay before the due date manually. Somehow I also do not trust 100% so I like to have a safety net with autopay in case I ever forget to pay manually.