Capital One is an American bank that has businesses, particularly in credit cards, auto loans, banking saving accounts etc. The headquarter is in the United States, and its founders are Richard Fairbank and Nigel Morris. With the help of the payment process, the steering wheel will be in your hand.
They offer a secure and convenient interface so that you can pay all your bills in one place and on the right schedule. Over here, we will talk about the posting process. In short, if you make the Capital One credit card payment Monday to Saturday before 8 p.m., at midnight of the same day, payment will be posted. But if it is after 8 p.m., then on the next business day, the payment will be posted.
The Schedule Of The Capital One Credit Card Payment
Either phone calls or online mode, you can make the Capital One credit card payment via the Capital One mobile app, mail or directly at a branch. If it is online or via phone, then the post will be quicker. In case the payment is from a linked credit card, then it will be posted on the very day. It might take one or three business days to post.
You need to keep in mind that after payment, the funds won’t be available immediately. After the completion of the payment capital, one bank will post the information on your account. And then, the account will show that the payment was made. After the payment has been posted, the funds will be accessible by 8 a.m. Down, we have discussed the schedule briefly.
- In case you make the credit card payment before 8 p.m. on Monday to Saturday, then the payment will be posted on the same day.
- If the credit card payment is after 8 p.m. on Monday to Friday, then the payment will be posted on the next business day.
- But if the payment is after 8 p.m. on Saturday, then the post will be on the following Monday, and the fund will be on Tuesday.
- And on Sundays, both the payment post and the fund will be on Tuesday.
- On Christmas Day, Thanksgiving Day or New Year’s Day, there will be no processes.
- Often, you might notice that the available funds are delayed. This is to ensure that the payment funds are available.
Making Of Capital One Credit Card Payment
You will find a number of ways to make a Capital One credit card payment. By phone call or by online medium, you can make the payment via app, mail or at a branch. You will find the phone number on the back of the credit card. If you want, you can call on the number and make your credit card payment.
Mailing is also another option that you can go for. For money order or check, send them to Capital One or the address PO Box 71083 or Charlotte, NC 28272-1083. In case want to mail, then you must send the mail early enough to arrive by the due date. Also, during business days, you can make a credit card payment at any Capital One brand.
What are the Steps to Make a Credit Card Payment Online?
We have tried to clarify things by mentioning the steps here. Follow the steps given below.
- To begin with, you need to open the browser on your device.
- Got to the Capital One official website.
- Then, with the help of the username and password, log in to the Capital One online banking account.
- After you log in, from the available option, select the Make A Payment option.
- Now, you need to choose the amount you need to pay and the payment method.
- Lastly, after completing all the steps, hit the submit button.
Using A Mobile App To Make The Credit Card Payment
If you are using the mobile app to make the payment, then we have given the process that you need to follow.
- At first, on your smartphone, open the Capital One application.
- With the help of the username and the password, open the Capital One online banking account.
- You will notice the Menu bar at the top left corner and then hit the Make A Payment option.
- Now, the steps are quite similar to what we have mentioned earlier. You need to choose the payment method and the amount you want to pay.
- To complete the process, hit the submit button.
Which Mode Will Help To Post The Credit Card Payment Faster?
In case the customer is going with the online or via phone, then the post will be more quickly posted. The reason behind this is that the payments that are delivered with the help of technology take less time to reach the credit card issuer.
Also, you have the opportunity to contact your credit card issuer to know when the credit card payment will be posted. We have mentioned the mode of payment and the time down below.
- If the mode of payment is online, then it might take 1 or 3 business days. The same exact days you will take if you go for phone payment mode.
- In case you are using the mailed payment mode then it completely depends on the delivery of the mail and the time at the branch.
- On the other hand, if you are using a linked credit card or bank account payment, the time period will be on the same day.
Pending Credit Card Payment
You might observe that even after making the credit card payment, the status is showing pending. This is because after making the payment, the company takes some time to proceed with the transaction and to transfer the funds from the account.
Method To Cancel The Pending Credit Card Payment
The only way to cancel the pending credit is when the bank does not process the transaction. In case you have made the payment online or through a mobile app, then you need to cancel the payment online or via mobile app. But in case you have to send a check or via phone, you make made the payment then you need to call the credit card issuer.
Conclusion…
We have discussed the time that it will take for Capital One to post the payment. You can use a debit card to pay the Capital One credit card. But directly, you cannot use the debit card. Even at Walmart, you can pay the customer service. Talk to the customer service agent in order to pay the credit card bill even though you need to pay the MoneyGram to pay the Capital One credit card bill.
