Avail credit with Chase not reinstated after payment

[Anonymous]

Did you pay using the Chase web site?  I assume it is different when pushing to Chase as they then really have the money.  My CSP is 6 weeks old, and I pushed a $4k (emergency vet payment!) from my bank account, and that worked fine, with the available credit going back to "full", so maybe pushing is a better option.

[Revelate]

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@Anonymous wrote:

Did you pay using the Chase web site?  I assume it is different when pushing to Chase as they then really have the money.  My CSP is 6 weeks old, and I pushed a $4k (emergency vet payment!) from my bank account, and that worked fine, with the available credit going back to "full", so maybe pushing is a better option.

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You may be right.  When you "push" the money, the source institution has already validated you are you.   That likely obviates the source requirement of verifying the transaction.

[primechicken]

What is meant by 'push' the money? I paid through the Chase website, having set up an account using the routing number and checking account number from my credit union.

[cclee]

This happened to me with my Discover CC, I always pay it online every week, but paid 1000.00 one week and they held the available credit, I asked a few days later why it wasn't showing in the available credit and they said that it flagged the system for fraud because i've never made a payment that large.  But I had actually made multiple 1200.00 payments in the prior year.  The thing I find weird and maybe one of you know the answer, why would making a payment flag fraud?  Who steals a payment?

[Revelate]

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@primechicken wrote:
What is meant by 'push' the money? I paid through the Chase website, having set up an account using the routing number and checking account number from my credit union.

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By paying via the Chase website, you're having Chase "pull" from the CU source share account in this case.  

By paying from the CU share account to the Chase CC (BillPay is the classic example), that would be "pushing" the payment to Chase.

[jakemod1]

I've never had this happen before with either my Chase or Discover CC. Both are relatively new, opened Feb and Jan 2013, respectively. No prior relationship. I've ran quite a bit on both. Was just in Vegas recently and used my Chase for everything. Racked up around $1,100, let the balance sit for a few days, paid in full, no hold or anything. I also bank at a local credit union.

[primechicken]

Thanks Revelate. Maybe I should set that up.