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What's up with USAA CC posting time??

Valued Contributor

Re: What's up with USAA CC posting time??

You also have to remember that (in many cases) Amazon won't charge your card until right before they ship it out. So if you get two day shipping, your items may arrive before the charge posts. 

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Message 11 of 16
Regular Contributor

Re: What's up with USAA CC posting time??

Lol! Exactly! It's a fairly new card that I use for minimal purchases (horrible APR) just to show usage & PIF. The purchases finally posted, payment made & card now sock drawered. They will not catch me at statement cutting time next week😆😆
**PERSISTENCE & PATIENCE** NFCU Amex $25K || NFCU GoRewards $24K || Macy's $11.5K || NLOC $6K || CO QuickSilver $5750 || Amex ED $3K || USAA Pref. Cash Rewards $2.5K || HHFCU Plat. CC $2K || US Alliance Sig. LOC $2K || Zales $1750 || Discover IT $1500 || VS $500

TOTAL: $85.5K
Message 12 of 16
Regular Contributor

Re: What's up with USAA CC posting time??

Yes, makes sense! Thx mountaindewvoltage!
**PERSISTENCE & PATIENCE** NFCU Amex $25K || NFCU GoRewards $24K || Macy's $11.5K || NLOC $6K || CO QuickSilver $5750 || Amex ED $3K || USAA Pref. Cash Rewards $2.5K || HHFCU Plat. CC $2K || US Alliance Sig. LOC $2K || Zales $1750 || Discover IT $1500 || VS $500

TOTAL: $85.5K
Message 13 of 16
Established Contributor

Re: What's up with USAA CC posting time??


mountaindewvoltage wrote:

You also have to remember that (in many cases) Amazon won't charge your card until right before they ship it out. So if you get two day shipping, your items may arrive before the charge posts. 


Precisely this.

 

This is the reason why I choose to load a chunk into an Amazon gift card (preferably with a 5% cashback card) and then spend it down gradually. Never have to worry about Amazon posting times ever again.




Message 14 of 16
Established Contributor

Re: What's up with USAA CC posting time??


CO_NATIVE wrote:

... But boy, if you make a purchase within a day of your account's cycle date watch how fast those pending charges make it to your statement Smiley Very Happy


Indeed.  I use 'black-out periods' for my cards that I want to report a zero balance (which is all but one right now), so that I can PIF prior to the statement date.

2019 Goal: 800+ across the board (my sole 30-day late drops in Q1 2019)
2018 Goals: garden, 750+ across the board, garden, put away 3 months' savings, garden



Experian is the canary in my coal mine.

EQ7637 INQ (4 CC, 2 mort, 1 auto)
EX7388 INQ (4 CC, 2 HELoan, 2 mort)
TU8056 INQ (4 CC, 2 mort)
6/24 < 5% AAoA TBD | AoYA 0m | AoOA 19y 2m
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Gardening 'til Q1 2019
Message 15 of 16
Frequent Contributor

Re: What's up with USAA CC posting time??

I have the same card and the transactions will post within two to three days. 







Message 16 of 16