credit card payment cut-off date?

tescomilk

If my credit card payment due date is the:

23rd July (Next Friday)

And my statement says I need to pay 4 working days before this date by either Card or Giro Credit. Then when is the latest I can pay?

Do I need to pay it Today or can I wait until Monday? I would prefer Monday when I have more funds but don't want it to be late.
Please reply ASAP Thanks

tescomilk

Sorry to be a pain but does anyone know the answer....?

It's just that if payment is due today then it must be done before 4pm :eek:

andys15

I would pay it today, just to be on the safe side.

tescomilk

If i'm counting this correctly then monday would be working day 1 before next friday, tuesday day 2, wed day 3 and Thursday would be Day 4 so I think I should be OK leaving it until Monday?

I normally pay well earlier than this but i've had some cash flow issues. I just wish that my statement would say you need to pay by Today or by Monday for it to clear in time. Its silly having a due date when you have to allow nearly a week before that date.

If anyone else could please help before 3pm today that would be great.

s12s

depending on your card it might, MBNA have the day you pay and the day it applies to your account on a table.

tescomilk

Great - Do you know where this MBNA table is?

s12s

theres a payment clearance table under the payments section, you can click on the table when you make a payment but its 2 days for it to clear so i assume you have another type if its 4. It takes, or tells you to allow, 4 days if paid other ways but using the make payment button is 2 days.

redordeadtom

tescomilk wrote: »

If my credit card payment due date is the:

23rd July (Next Friday)

And my statement says I need to pay 4 working days before this date by either Card or Giro Credit. Then when is the latest I can pay?

Do I need to pay it Today or can I wait until Monday? I would prefer Monday when I have more funds but don't want it to be late.
Please reply ASAP Thanks

Are you able to pay by telephone or internet banking? You would be able to pay Tuesday by BACS and Thursday if they offer Faster Payments.

I would also consider setting up a Direct Debit for the minimum then you know the payment will always be taken 'just in time'.