Question about making payment on NFCU card from external bank on weekend

[FinStar]

My advice, as mentioned upthread and to avoid any potential pitfalls with your payments going forward, especially when due dates fall on non-business days for processing, just schedule them in advance.  Bear in mind, though, internally things code differently than what an agent may convey to you.  Things that can impact a potential CLI, for instance.  Agents can't see what's behind the scenes in most cases.  Just FYI.

[Anonymous]

I made a second transfer from my NFCU checking - I transferred some money into it and made a second payment just Incase. I'm not used to having to do it this way. With my other credit cards I just pay with my debit and it goes through instantly. 

Do you know what time NFCU's cut of time is ? And does it apply on the weekends ? I've called in twice now trying to get clarification and both reps told me I would be fine , with no late charges or issues from them but I'm more concerned about there internal system marking it and making it look bad for future credit cards from them. 

[Anonymous]

Thanks so much for this info - I called in twice and was told them same but see other people telling me the opposite. I also made a second payment to the credit card by transferring money to my NFCU debit card and then making a payment to my NFCU credit card from them debit card since I thought it would be quicker and also a form of back up. They said they can see both payments and that I should be ok. I thought cutoff time for the payment was 8pm as well but now I'm being told it's 6:30pm. 

from speaking with the reps they all seem to think it won't be an issue and there won't be any late fees etc but like I said to others what concerns me more is there internal system flagging it and it looking bad for future credit cards I apply too. 

I do appreciate your comment it helps a lot - Thanks ! 

[Brian_Earl_Spilner]

Honestly, I got tired of it taking so long to post that I started sending a small direct deposit to my checking and savings. Now I pay from there and the money comes out instantly so I know it's done.

[thornback]

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@Anonymous wrote:

I made a second transfer from my NFCU checking - I transferred some money into it and made a second payment just Incase. I'm not used to having to do it this way. With my other credit cards I just pay with my debit and it goes through instantly. 

Do you know what time NFCU's cut of time is ? And does it apply on the weekends ? 

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730pm est mon-fri, according to their faqs:

"When will transactions post to my account(s)?"

https://nfcucloud.custhelp.com/app/answers/list/c/467

But as I've said - the times I paid via an external account on the weekend, the payment posted with that weekend date even though it wasn't actually processed til Monday.

[Kforce]

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@FinStar wrote:

My advice, as mentioned upthread and to avoid any potential pitfalls with your payments going forward, especially when due dates fall on non-business days for processing, just schedule them in advance.

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+ 100

Your internet service could go down, power outage, drop and kill your phone, the issuers web portal not working, and the list goes on.

I would never wait until the due date.

The float of a few days interest is not close to the cost of a late.

You should change when you pay, even for issuers that allow last minute payments.

[gingerflower]

@@Anonymous 

It would have been credited the same day if you would have made a transfer from your savings to your Cc. After all it's just $5.00 ...FYI , pay your payment 2 weeks ahead to be safe especially with Nfcu!!