When your payment posts

A payment can take up to 24 hours to post to your account. Seeing it as Processing rather than Complete straight away is normal.

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The three statuses

You can check at any time under Transactions.

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Paying on the due date

You have until 11:59 PM Central on your due date. A payment made before then counts as made on that day, even if it takes until the following day to finish posting. AutoPay runs on your due date, every day of the year. If your due date falls on a Saturday, a Sunday or a holiday, your payment is still taken that day — not early, and not late.

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A re-attempt does not wait for your next due date

That schedule describes the payment you agreed to. A re-attempt after a payment fails is different, and it is the one debit that arrives on a date nobody told you in advance. If an AutoPay payment is returned and we re-attempt it, the re-attempt runs on its own schedule — usually within about five days of the failed attempt, not on your due date and not a month later. The exact day is not fixed and can change. If you would rather settle it yourself than wait for a re-attempt you cannot date, make a one-time payment. A payment that covers what is due stops the re-attempt.

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A debit on a date that is not your due date

AutoPay runs on the due date on your latest statement. If money leaves your account on another date, the usual reasons are:

• A one-time payment you scheduled. It runs on the date you chose, separate from AutoPay.
• A re-attempt of a payment that failed. We usually try at least twice. We may not try again when the problem is an invalid payment method.

In uPortal360, select Account Summary in the menu to see the date of your next AutoPay payment, and your latest statement for your due date. If neither explains the debit, call (888) 233-2302. An agent can correct a payment that ran when you did not expect it. Your due date is also always between the 1st and the 28th of the month. Dates of the 29th, 30th and 31st are not used, because not every month has them — so your due date is the same date every month and never drifts.

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If a payment was credited on the wrong day, or to the wrong account

Tell us. We can review a payment and re-apply it as of the day you actually paid. When we correct a payment, we put you back where you would have been if it had been applied right the first time. That means:

• The payment is credited as of the day you actually paid
• Any interest charged in the meantime is reversed
• Any late fee caused by the error is reversed
• Any past-due status caused by the error is cleared
• If the error was reported to the credit bureaus, that is corrected too

You do not have to ask for each of those separately, and you should not be left holding any part of the consequence. We will tell you when the correction is made. This is not something that normally needs doing — payments post on their own. But if you paid on time and your account says otherwise, it is fixable, and it is worth calling rather than accepting the later date.

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If you paid after your account closed or moved

A payment does not vanish because it arrived late in the life of the account. What happens to it depends on where the account went.

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If you are past due

A past-due amount is shown separately from your scheduled payment, and both are owed. Your statement adds them together into a single Minimum Payment Due — so if your regular payment is $109.06 and you are one payment behind, the amount due is$218.12, not $109.06. Paying the scheduled amount alone will leave you past due.

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Grace periods and late fees

Late fees and grace periods vary by program — some accounts have a ten-day grace period, some fifteen, and some have no late fee at all. Yours are in your agreement, under Agreement Details.