Backstory
I needed to make a couple of different payments to my new Wings Visa. My goal was to get my utilization down to 10% before my next statement closing date on Nov. 29.
Timeline:
*BT from Discover to Wings on 11/17
*Made external transfer as a payment from my two local credit unions. One for $300. 208.00. on 11/17
*$208 clears and posts to my Wings credit card on 11/18.
*The $300 never posts.
So after several phone calls, I'm reminded external payments can take three business days to post. Today was that to day post and it did not.
So, I was instructed to call their credit support service department to get more specialized assistance. 800-692-2274. Option 8, extension 8300, option 2.
Critical Note:
If you have Wings Cc product, and you make an external payment, TAKE A SCREEN SHOT FOR EVIDENCE. Their system does not track pending payments and once you navigate away from their "Successful Transfer" screen, it's gone forever! You can't see it and they can't pull it up on their end. This is the 2nd time that I've had to produce a screen shot that proved I made a CC payment.
So they discovered that the transfer failed. They wanted me to go through the whole process again. But with the holidays, there's no way it could post before my closing date.
Ah ha! The magic solution. They can take payments by phone. The Visa Payments Department handles this and your payments will post within 24 hours. 1866-820-3955
Golden Nugget of Knowledge
After taking my payment he read a disclosure which informed me that if I had made any payments within the last 24 hours, this new payment would override the other one.
So another aha! That is what most likely happened. I went back and checked both screen shots my payments and their screen shot time stamps. I made the $300 payment first and minutes later made a payment for $208. The second payment deleted the first one.
there was absolutely no warning about this. This knowledge would have saved everyone a lot of time and trouble.
Just posting to help save someone else the headache.
