Credited Date
The credited date is the day your payment is officially applied to your account. It determines whether your payment is on time, whether you're charged a late fee, and how interest is calculated.
- Payments received by 11:59 PM ET are credited the same day.
- Payments received after 11:59 PM ET are credited the next business day.
Posted Date
The posted date is when your payment appears as a transaction in your account activity and is applied to your account balance. It can take up to 7 days from your payment date for it to show up in your available credit.
Quick Reference
| Payment made | Credited | Posted |
|---|---|---|
| Before 11:59 PM ET | Same day | Next business day (except weekends) |
| After 11:59 PM ET | Next business day | Next business day (except weekends) |
Business days are Monday–Friday, excluding banking holidays.