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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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