![]() Hold for a moment while we contact your bank to verify it. Done clearing.Īgent Orange: I am so sorry to bother you with that mistake. Me: Last night it did, not tonight it will. Me: I guess English is not your native language, it cleared my bank last night at 12:01.Īgent Orange: So please wait until then to contact us. Me: It cleared my bank at 12:01 last night.Īgent Orange: When it clears your bank you can call us back and we can contact them to verify that it has and release the hold. Me: Ha Ha Ha, Conservative lenders do not lend to people with damaged, short, or no credit history.)Īgent Orange: We follow banking laws which allow for us to place holds on accounts for up to 6 days while it clears the bank. Agent Orange: Capital One is a conservative lender. (A fairly silly one in some instances, just ask for a CLI. It is annoying though, I wish they would correct it to automatically lift the hold as soon as funds are actually in from your bank. They want to make sure the payment is actually from your bank account and isn't likely to be disputed by someone. They primarily deal with customers that other creditors won't touch. I guess I can understand why Cap One does it. She said that as long as it was cleared by my bank already though I could call and have the hold lifted. ![]() The customer service rep I talked to explained that they automatically hold funds for 6 days as that's how long it takes most banks to process the payment. SO, long story short, paid $200 on it as soon as I got home and another $500 the next day when the transaction to my school finally popped up.Ĥ days later the payment had cleared but I had no available credit. Of course, already had $200 on it because I went grocery shopping. I only have a $1000 limit and had to pay $750 towards my tuition for Fall and the school wouldn't let me use my joint debit card because my authorized user card has my husbands name on it instead of mine. Xavier: If you'd like to provide feedback about your experience with us today, please click the button that reads End Chat at top right to answer a few quick questions. I'll recheck the online statement on the 20th. Xavier: Is there anything else I can help you with today? Xavier: Thank you so much for giving us this feedback. Just wanted an answer, as you are my daily use card, and when I hit the cap of the limit, I'm using my other cards. I was wondering since the XXX's payment was my third, and suddenly things are being held up. ![]() Xavier: Would you like me to make the funds available to you right away? Xavier: There are no fees or penalties to release it. However, if you want we can go ahead and release the funds for you immediately. The funds will be available as early as 08:00am EST on. Xavier: We have received the payment of $xxxxx, however, the available credit balance is placed on a hold for 6 days. You: also made another payment earlier this morning, seeing if that would kickstart the system. ![]() Xavier: Please verify the following information to access your account: name (exactly as it appears in your credit card), zip code, date of birth and last four digits of your social security number. Not applied to my card availability yet? Wondering what the holdup is? You: Made a payment on 12th, posted gone in my bank acct on 14th. Xavier: Whom do I have the pleasure of chatting with today? I'd be happy to help you with your account questions. Xavier: Thank you for visiting Capital One. Hi and welcome to our Capital One chat service! One of our Account Specialists will be right with you.
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