Paid off just about all of my cards today and was bored so I looked at how fast I was getting credit or payments posted. Was curious about other cards. All my payments were made Saturday before lender's daily cutoff time, and I'm checking status at 12:30 am on Sunday morning. I used an established credit union account and pulled from the lender. I'll update the ones that haven't processed, when they do.
- Amex (Gold, Delta Gold, Delta Plat)- immediate credit, balance cleared on 2nd day
- NFCU - nothing, not open on weekends so payment can't be submitted until Monday
- cap1 (QS, QS1, Walmart) - payment cleared and available
- Discover - payment cleared and available in 2nd day
- PayPal - credited, payment cleared on 2nd day
- Sync Amazon - payment cleared on 2nd day, not credited yet
- Mission Lane - payment cleared and available
- Kohl's - credited, payment cleared on 2nd day
- Nordy store card - credited, payment cleared on 2nd day
- Target store card - payment cleared and available
- Comenity store cards (Wayfair, Overstock, Ikea) - all credited, payment cleared on 2nd day
- Comenity PlayStation - credited, payment cleared on 2nd day
How long does it take your payments to credit and/or clear? How did you pay, push, pull, auto, over the phone? Store card vs the open loop version? Just curious.
@CreditInspired wrote:Great post
For AmX and Citi--when PIF payments are pending, my CL restores immediately to full CL available. (Push) This surprised me. I think this changed over the years--may be due to they trust my billpay. IDK.
Disco takes 1 day (push). However, if I pay on their website (pull), CL is immediately restored to amount of payment.
Now granted, I never pay on a weekend; so I dont know if this would change anything.And KUDOS to you for paying off everything.
With Amex, it doesn't matter how much I pay, I'll get immediate credit. Usually takes a day or two for the balance to zero out.
For disco, I don't think I've ever gotten an immediate credit. I've only ever paid through the app though. Next time, I'll try through the actual website.
For Saturday payments, I was really curious about if there would be any delays. I learned today that I can't schedule an NFCU payment on a weekend. Never had to before because I normally pay on a Thursday.
Thanks, it's been a long time coming.
Congrats again @Brian_Earl_Spilner
I generally use the credit cards website to pull the payment from the bank. Currently, bill pay occurs on Sunday morning and most credit cards have updated by Monday, but a few don't update until Tuesday.
I have noticed that Discover and Citi both restore available credit by the amount of the payment immediately.
PenFed and NFCU seem to take forever. 
@Brian_Earl_Spilner wrote:
@CreditInspired wrote:Great post
For AmX and Citi--when PIF payments are pending, my CL restores immediately to full CL available. (Push) This surprised me. I think this changed over the years--may be due to they trust my billpay. IDK.
Disco takes 1 day (push). However, if I pay on their website (pull), CL is immediately restored to amount of payment.
Now granted, I never pay on a weekend; so I dont know if this would change anything.And KUDOS to you for paying off everything.
With Amex, it doesn't matter how much I pay, I'll get immediate credit. Usually takes a day or two for the balance to zero out.
For disco, I don't think I've ever gotten an immediate credit. I've only ever paid through the app though. Next time, I'll try through the actual website.
For Saturday payments, I was really curious about if there would be any delays. I learned today that I can't schedule an NFCU payment on a weekend. Never had to before because I normally pay on a Thursday.
Yea NFCU won't allow you to schedule payments on the weekend unless you're pushing a payment from your accounts with them. Same with doing an external transfer.
@tcbofade it's starting to bother me that I'm not getting instant credit for discover. Wonder if that has to do with the fact the card was secured at one point.
