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We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

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

Answer:

A card issuer may set reasonable cut-off time for payments, and payments received after the established cut-off time will generally be credited as of the next business day. 

The cut-off time on the payment due date generally must be no earlier than 5 p.m. (in the time zone where payments should be received).

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The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.

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