How Fast Do Your Credits and Payments Post

[seattletravels]

Amex and Citi post and update immediately.  Discover takes several days.  I'm not sure I've ever paid attention to Chase but will when I make my payment this coming week.

[EAJuggalo]

Chase is usually start of business the next day, except my CSP, which is end of following business day.  I get Citi DC and all of my AMEX immediately.  Discover, Cap1, Commenity and Sync all seem to be sometime during the next business day.  I've never looked at NFCU, but I fully assume it to take a while.

[UpperNwGuy]

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@tcbofade wrote:

PenFed and NFCU seem to take forever.  

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PenFed and NFCU post the payment and restore your available credit overnight if you pay your credit cards from their checking accounts.  I recently paid off an NFCU credit card from my previously-linked PenFed checking account, and the transaction posted overnight at both institutions.

Chase also posts "pull" payments from outside institutions overnight.  Those transactions usually take one additional night to hit the institution from which the payment is being made.

[CreditCrusader]

For whatever reason, Cap 1 has always posted super fast for me.

Oddly enough, SDFCU has, at times, been absurdly slow posting payments made from their own checking account. They never really have an explanation for it.

[Brian_Earl_Spilner]

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@Mr_Mojo_Risin wrote:

My Discover usually takes a day to update my available credit and balance. I always pay in app and pull from my bank. 

My Cap 1 updates my available credit and balance immediately. Always pay in app and pull from my bank.

My bank though... wow. It takes them 3 sometimes 4 days to actually debit the payments from my account.

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That's how it is with my credit union, except for my comenity payments. For some reason, they show up as pending within a day. Cap1 doesn't even show up as pending, it just shows up as cleared.

[jdbkiang]

Chase has always updated available credit immediately, though the balance does not. However, I do bank with Chase, so not sure if that matters. 

Discover has always taken the longest time for me. Amex and Citi are reasonable. Weren't immediate in the beginning, but now are. 

[pt91978]

When I push a payment from my NFCU checking account in the morning to pay for their cards, the available credit usually update in the afternoon.  When I push a payment from Chase checking to NFCU account, it hits the account overnight.  Same as when I pull a payment from NFCU checking and Chase checking, they usually credit the account overnight.

However, their pending transactions take forever to post, so most of the time my account shows the green CR because I like to zero out my current balance.

For example, I bought something on Amazon, it shows the transaction date was 4/23/20 and today's the 26th but still shows as pending.  Therefore, I have had this green amount credit for a couple days now.  Although it looks nice, I just want my account to show $0 current balance, because I'm OCD like that. 

[Brian_Earl_Spilner]

I hate pending transactions. I get why they exist, but I just want to pay it off already.

[pt91978]

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@Brian_Earl_Spilner wrote:

I hate pending transactions. I get why they exist, but I just want to pay it off already.

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100% agree!!!

[Anonymous]

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@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. 

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@Brian_Earl_Spilner Congrats for all the pay-offs!

IIRC in my experience, it doesn't post until Monday if the payment is made on a Saturday...not sure about Sunday. Same with transactions, they don't post until Monday or so. So it still makes Discover one of the slowest. ¯\_(ツ)_/¯