It takes one to three business days for a credit card payment to post to your account if you pay online or by phone. If your credit card is linked to your checking account and both accounts are from the same bank, your payment may post immediately following the transaction. Your issuer’s payment timelines are included in your monthly statement, and you can also call your bank’s customer service team for more information.
In order to understand how long it takes an issuer to post your credit card payments, it’s important to know the process of making a payment.
How the Credit Card Bill Payment Process Works
- When you submit a payment, the amount is usually credited on the same business day. This means the issuer recognizes you paid it. As long as your payment is at least credited by the due date, it’s considered on time, assuming the transaction goes through.
- The payment usually posts (or is reflected in your available credit), in one to three business days. Some credit card payments may take longer to post, depending on the issuer and the payment method used.
- A few days after paying your credit card bill, the payment will be cleared. This means the issuer has actually received the money.
To avoid any worry about how long it will take for a credit card payment to post, set up autopay. This feature automatically debits your bank account for a pre-determined amount on the card’s payment due date. As long as you have enough money in the account to cover the transaction, your payments will never be late. You should be able to set up autopay online or by calling your issuer’s customer service department.
This answer was first published on 04/14/20 and it was last updated on 03/28/24. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
