Payments made online or by the phone are credited on the day they are initiated as long as they are initiated before 11:00 pm ET / 8:00 pm PT. Payments made by check are credited on the day we receive the check as long as the check is received by 5:00 pm ET / 2:00 pm PT. You’ll see your payment reflected in your Current Balance within a couple of hours.
Heads up—it may take some time for the payment to be reflected in your available credit. Even after a payment is received, your available credit may not update until payment processing is complete. This usually takes a few days to show in your available credit, but in some cases it may be longer, so hang tight!