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How to make instant Capital One credit card payment so funds are available same day

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motoleo
Frequent Contributor

How to make instant Capital One credit card payment so funds are available same day

I get paid on a Friday okay. The direct deposit hits my bank and the funds are in there around 4am.

Is it possible to set up a captial one payment for a certain amount even when it's not already in the bank, so by the time it transfers, it will all happen on the same day?

When you make a credit card payment it usually takes some days to transfer but I need the available credit now. I know it so the crazy but I need to move money faster than it normally moves. I move money quick, I spend quick.

So is there an express option, can I pay in cash in person? How do I get funds available same day?


Message 1 of 42
41 REPLIES 41
marinersguy22
Frequent Contributor

Re: How to make instant Capital One credit card payment so funds are available same day

RESULTS NOT TYPICAL But I know with a couple of my cards (Harborstone and Syncrony) I schedule the payment the day before I get paid, so then it goes my direct deposit then the payments. Check with your bank to make sure they would post this way as well.

Message 2 of 42
BuyingTime
New Member

Re: How to make instant Capital One credit card payment so funds are available same day


@motoleo wrote:
I get paid on a Friday okay. The direct deposit hits my bank and the funds are in there around 4am.

Is it possible to set up a captial one payment for a certain amount even when it's not already in the bank, so by the time it transfers, it will all happen on the same day?

When you make a credit card payment it usually takes some days to transfer but I need the available credit now. I know it so the crazy but I need to move money faster than it normally moves. I move money quick, I spend quick.

So is there an express option, can I pay in cash in person? How do I get funds available same day?


I know that if you need to make a purchase you can call the number on the back of your card and speak with a rep, who will then get a manager to approve a payment and freeing of credit. I did this about a month ago when I randomly wanted to buy a new laptop. I charged it not knowing my available credit and got declined. Called up Cap1 and a manager approved a payment and made that amount available so that I can process the payment for the laptop. 

 

Sounds like you need something like that often... not sure they would do it all the time, but it doesnt hurt to ask? Just my 2 cents...

Rebuilding: Wells Fargo Platinum (upgraded from secured 9/2015); Capital One Quicksilver 6/15; Capital One Quicksilver One 7/15; Barclay's Rewards Card 11/15
Message 3 of 42
TonyUFN
New Member

Re: How to make instant Capital One credit card payment so funds are available same day

I pay in a branch.  But it doesn't typically reflect on the site until the next day, no matter what time of day I make the payment.

I don't think there really is a "same day" update to your account.  But next day is typically sufficient.


Started 06/15: TU570,EQ549
Pre-Spree 11/15: TU648,EQ644,EX671 Util 1%
Gardening 11/04/2015 (Wish I could add a cute little seedling)
$300 Cap1 QS woke me up.
Message 4 of 42
motoleo
Frequent Contributor

Re: How to make instant Capital One credit card payment so funds are available same day

It's worth a try I would say. If I could wake up and get paid and get my credit card paid and ready for use that'd be great. Anybody ever did this with capital one?

Message 5 of 42
Swampy99
Valued Contributor

Re: How to make instant Capital One credit card payment so funds are available same day

Capital One posts quickly and their on line payments clear the next morning. I  believe if you pay by 5 EST the payment posts same day and is available in 24 hours.

 

I would just pay as you go. NEVER pay a creditor until your funds are available in your account.

Fico Scores 11/14/16: EX 735,EQ 713,TU 690

Citi Costco$15,000/BBVA Am Ex $7000/Am Ex BCE $24,000/Macy's Am Ex $6000/ Macy's $6800,LL Bean Visa$3400/Citi DP $4100/Citi DC $4400/Bloom AmEx$7000, Bloom $7300,TotalRewardsVisa $2000 Blispay $7500,Cabelas Visa $7000/Discover $1800/ Quicksilver $4300/ J Crew $6600/Dillard's $1600/Barney's $24,000/Care Credit $5000/Stash Visa $6000 JCP $2300 Hyatt Visa $10,000, Deer Valley CU Visa $3000 and$1000 Sync Home $6500, Wells comm$4700, Saks2000
Message 6 of 42
motoleo
Frequent Contributor

Re: How to make instant Capital One credit card payment so funds are available same day

I can't because I'm traveling overseas and I need all my money to be on the credit card so that I can avoid the 3% international fees on my debit card. I need to spend money THAT day. I can't go all of Friday with money just on my debit card, not being able to buy anything without international fees, while I wait for the money to transfer into my capital one for use on the next day...

Message 7 of 42
BuyingTime
New Member

Re: How to make instant Capital One credit card payment so funds are available same day


@motoleo wrote:
I can't because I'm traveling overseas and I need all my money to be on the credit card so that I can avoid the 3% international fees on my debit card. I need to spend money THAT day. I can't go all of Friday with money just on my debit card, not being able to buy anything without international fees, while I wait for the money to transfer into my capital one for use on the next day...

Can you get a CLI? What's you CL that you have to consider this?

Rebuilding: Wells Fargo Platinum (upgraded from secured 9/2015); Capital One Quicksilver 6/15; Capital One Quicksilver One 7/15; Barclay's Rewards Card 11/15
Message 8 of 42
motoleo
Frequent Contributor

Re: How to make instant Capital One credit card payment so funds are available same day

If my Citibank debit card didn't have international fees I wouldn't be worried. I wonder if they do waive the fees since it's a student account.

I'm basically just trying to avoid 3% international fees. I don't want a single fee.

Message 9 of 42
taxi818
Super Contributor

Re: How to make instant Capital One credit card payment so funds are available same day

As stated. The quickest will be the next morning. Even if you call them with your Debit card it will be available to use the next morning. if you spend that fast you may as well spend cash.

Message 10 of 42
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