Paypal Mastercard Synchrony - Delayed Payment Balance

[CCrew]

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@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.

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Both my Apple Card and my GM card do. Obviously both are Goldman, so they seem to process equally. 

[C_DUBYA]

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)

[Tcal]

Sorry for the late reply; It took about 17 days for it to finally free up.

[DONZI]

I wonder if the paypal relationship adds to the duration?

[Brian_Earl_Spilner]

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@DONZI wrote:

I wonder if the paypal relationship adds to the duration?

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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. 

[DONZI]

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.