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Re: Paypal Mastercard Synchrony - Delayed Payment Balance
@DONZI wrote:@Tcal how long has the payment been on a holding pattern?
AFAIK amex is the only vendor that credits payment against the balance immediately, while the payment clears in the couple/few days.
Both my Apple Card and my GM card do. Obviously both are Goldman, so they seem to process equally.
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Re: Paypal Mastercard Synchrony - Delayed Payment Balance
The differences are all over the place. I paid off several cards recently. Here was the result.
MGM-FNBO: Immediate availability (1k card)
Paypal: Hold 21 days (1k card)
Today card: Hold 7 days (2k card)
Verizon Syfi: Immediate availability (2.5k card)
Capitalone: Immediate availability (500 card)
Current
FICO8 Feb 2025: EQ: 681 - EX- 675 - TU: 666
Biggest current issue: High Utilization 70%
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Re: Paypal Mastercard Synchrony - Delayed Payment Balance
Sorry for the late reply; It took about 17 days for it to finally free up.












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Re: Paypal Mastercard Synchrony - Delayed Payment Balance
I wonder if the paypal relationship adds to the duration?
[2020-12-09]=[EQ8|786]-[TU8|746]-[EX8|772] .... gardening until I can't (again).
[2023-10-01]=[EQ8|797]-[TU8|776]-[EX8|775]
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Re: Paypal Mastercard Synchrony - Delayed Payment Balance
@DONZI wrote:I wonder if the paypal relationship adds to the duration?
Why would it? My PayPal card credits me the next day. Payment posts in 1-2 days after made. They always make my credit available before payment posts. When I first opened it larger payments were held. Same with cap1, same with discover, same with many other cards.

























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Re: Paypal Mastercard Synchrony - Delayed Payment Balance
Beats me. I've only used them with bank accounts, debit cards and some unrelated credit cards. I suppose there is no reason it'd be any different than any of those or PP Credit.
I've never had payment drag for 2 or 3 weeks for any payments or xfers, anywhere when initiated online or by phone. Most has been about a week for very large amounts that I guess trigger AML scrutiny.
[2020-12-09]=[EQ8|786]-[TU8|746]-[EX8|772] .... gardening until I can't (again).
[2023-10-01]=[EQ8|797]-[TU8|776]-[EX8|775]
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