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Capital One QS: Instant Available Credit After Payment

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fatcomic
Regular Contributor

Re: Capital One QS: Instant Available Credit After Payment

My Citi DC applies the payment to the CL instantly, this is the only account I have that does that.   My Cap account always updates after midnight.   


Message 21 of 38
Loquat
Moderator Emeritus

Re: Capital One QS: Instant Available Credit After Payment


@fatcomic wrote:

My Citi DC applies the payment to the CL instantly, this is the only account I have that does that.   My Cap account always updates after midnight.   


Amex updates immediately as well. 

Message 22 of 38
Anonymous
Not applicable

Re: Capital One QS: Instant Available Credit After Payment


@Loquat wrote:

@fatcomic wrote:

My Citi DC applies the payment to the CL instantly, this is the only account I have that does that.   My Cap account always updates after midnight.   


Amex updates immediately as well. 


Yeah they just recently added that. 

Message 23 of 38
AlanGJP
Established Contributor

Re: Capital One QS: Instant Available Credit After Payment

So mine did the same thing a few days / week ago (I don't remember the exact date). I've made a couple payments since (I use it frequently and don't like carrying a balance on it) and since then, it hasn't done that once. It could be that it's something they offer for some of their customers and there was a glitch where everyone had instant access to their payment? (Did you get the animation over the available credit when you paid like I did?)

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Last Updated: 2023/11/09
Message 24 of 38
OmarGB9
Community Leader
Super Contributor

Re: Capital One QS: Instant Available Credit After Payment


@AlanGJP wrote:

So mine did the same thing a few days / week ago (I don't remember the exact date). I've made a couple payments since (I use it frequently and don't like carrying a balance on it) and since then, it hasn't done that once. It could be that it's something they offer for some of their customers and there was a glitch where everyone had instant access to their payment? (Did you get the animation over the available credit when you paid like I did?)


I get that little animation, yes.


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Message 25 of 38
onstar
Established Contributor

Re: Capital One QS: Instant Available Credit After Payment


@Anonymous wrote:

@Loquat wrote:

@fatcomic wrote:

My Citi DC applies the payment to the CL instantly, this is the only account I have that does that.   My Cap account always updates after midnight.   


Amex updates immediately as well. 


Yeah they just recently added that. 


I thought Amex did that for years (we have the EveryDay card). I want to say at least since 2016.

Capital One Venture, Spark, QS, plus the Citi DC, I see their available credit go up instantly. Again, I want to say "since forever ago."

 

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Message 26 of 38
Face_Value
New Contributor

Re: Capital One QS: Instant Available Credit After Payment

This happen to me a month ago on my platinum (secured). It only happened once. It was the month I got my 1st and last credit limit increase @ the 5th statement cut. I always PIF with a 360 account. It did not happen the following month. And I did see the animation on the mobile app.

Message 27 of 38
razzy116
Established Contributor

Re: Capital One QS: Instant Available Credit After Payment

I just made a payment on my Amex card updated instantly.

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Message 28 of 38
Anonymous
Not applicable

Re: Capital One QS: Instant Available Credit After Payment

Instant update last week for my payment to My cap one QS. First time I've ever seen the animation with the dollar amount spinning up to reflect my new available credit instantly. 

As others have mentioned, my Citi card does this also. Without animation of course. 

Message 29 of 38
Brian_Earl_Spilner
Credit Mentor

Re: Capital One QS: Instant Available Credit After Payment


@Anonymous wrote:

@Loquat wrote:

@fatcomic wrote:

My Citi DC applies the payment to the CL instantly, this is the only account I have that does that.   My Cap account always updates after midnight.   


Amex updates immediately as well. 


Yeah they just recently added that. 


How long ago is recently, because they've been doing it the last 2 years I've been with them.

    
Message 30 of 38
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