Capital One QS: Instant Available Credit After Payment

[CreditCrusader]

An interesting thing happened yesterday...and perhaps it's old news to other Cap 1 card holders, but it's a first for me.

I made a payment via the app...no biggie...do it all the time.

But the moment I submitted the payment, the app flipped back to the main screen and the available credit updated INSTANTLY. The balance still updated at midnight (as it always has), but my available credit was restored right away.

Am I just late to the party on this? If so, the food is delicious.  

[Anonymous]

I just noticed this for the first time myself today when I made a partial payment. My payment from my CO 360 Checking gave me instant credit, whereas a bank transfer from my NFCU checking says credit won't be available for 1-3 business days. I wonder if it's only for payments made using your Capital One 360 account? Anyway, it was a pleasant suprise! 

[Girlzilla88]

@CreditCrusader     I don't know about the QS I will have to ask my DH if his is doing this but I did notice on my AMEX that it started updating instantly recently too so maybe it's a haul for a lot of places?!     But like you said it is definitely welcome!!! 

[CreditCrusader]

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@Anonymous wrote:

I just noticed this for the first time myself today when I made a partial payment. My payment from my CO 360 Checking gave me instant credit, whereas a bank transfer from my NFCU checking says credit won't be available for 1-3 business days. I wonder if it's only for payments made using your Capital One 360 account? Anyway, it was a pleasant suprise! 

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That's the thing: I didn't make a payment from a 360 account. It was another bank, but through the CO app.

[CYBERSAM]

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@Girlzilla88 wrote:

@CreditCrusader     I don't know about the QS I will have to ask my DH if his is doing this but I did notice on my AMEX that it started updating instantly recently too so maybe it's a haul for a lot of places?!     But like you said it is definitely welcome!!! 

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I saw the same thing happen on AMEX. Instant credit!

[Anonymous]

Huh, that's so crazy! The next time I make a payment from an outside bank, I'll have to see what happens! I'm really liking the idea of instant credit after payment!!! 

[OmarGB9]

I noticed this maybe a couple of months ago. For the record, I also made my payment via the app, but from an external RBFCU checking account. FWIW, I've been making payments from that same account since I opened the card in December 2019. I always pay in full and multiple times per month. Dunno if that has anything to do with it.

[UFGuy2006]

Interesting, this is a positive now for this card. Assuming it applies across the board.

[Mr_Mojo_Risin]

My Quicksilver has always updated the available credit after a payment. 

I've read about some getting the update immediately and others not.  

Were glad you made it to the party!!🤣

[rostrow416]

I noticed this today too.  I put a payment through from my Cap1 360 account, it updated the available credit instantly and deducted from my checking with a few hours.  Pretty cool actually.  I'm going to try it with my other bank account (not Cap1) and see what happens.