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Why wasn't my online payment credited to my credit card account on the same day I made it?

The general rule is that a credit card account payment must be credited as of the date it is received.

However, the bank may set reasonable requirements for receiving payments. For instance, the bank may set a cut-off time.

The cut-off time on the payment due date generally must be 5 p.m. or later.

Payments received after the established cut-off time will generally be credited as of the next business day.

Last Reviewed: April 2021

Please note: The terms "bank" and "banks" used in these answers generally refer to national banks, federal savings associations, and federal branches or agencies of foreign banking organizations that are regulated by the Office of the Comptroller of the Currency (OCC). Find out if the OCC regulates your bank. Information provided on should not be construed as legal advice or a legal opinion of the OCC.

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