Credit Card Auto-Pay Trips Up During Bank Transitions

“Legal line is what matters. Did you write out twenty five thousand? If so this is a nothing burger imo.”

“I just switched from getting my paychecks on cashapp for the last 4 years without ever having an issue and always got them early. Changed my direct deposit to cap one assuming I'd still get it the day early but didn't get it today. Sucks. Gonna switch back to cashapp. I know people argue that the paychecks are actually early once you fall into the new pay routine you still get one check a week, but I stick to the logic that anyway you can get your check earlier in the week is always bett”

“That sounds like a one-day subtotal gap. My dollar says Gross Sales is showing transactions charged but still pending, and Tax report is showing settled transactions only.”

“Yeah, they’ll charge you 30% when you carry a balance, but they’re sure not going to pay you 30% for the negative balance. Request a check immediately if not sooner.”

Need more information.

“Depending on issuer, it may take a couple of days to post your payment. If you paid full statement balance, you should not have to pay any more.”

“Maybe the failed transactions left a hold on the card and there is no credit available? Alternatively, have you registered your billing address etc. in the card portal and are you entering that info in eBay? Some prepaid cards are more strict about billing info than others”

“Correct. Also don't use your card for the remainder of the billing cycle. You no longer have a grace period and will be charged interest on all new purchases. It will take a full cycle to regain your grace period.”

“I see now. Its the APR divided by 365 = the daily interest which will be $0.71. I finally found the right calculator.”

“I have a Barclays credit card. Ive always been able to pay if off each month no problem but the past few months ive had a lot of emergencies happen. This will be my first time not being able to make the full payment. I've done some googling and sources say that the minimum payment should be made by the due date to avoid late fees. This is what I'm not understanding: so am I not charged a fee if I'm late with the rest of the payment? Are interest and fees different? If I am charged in”

[PayPal] ★ 1/5 (v8.107.2) — I called last week to try to resolve past due It gave up & agrees to pay it which I did with my cc on file. Try…

“Has anybody else encountered trying to pay a Barclaycard minimum payment but being stuck in a catch 22 dilemma. I've not received statement to pay at the branch yet (can't pay at branch without a statement ) and I'm recieving repeated texts that I've not paid and "mistakes can be made" continually sent to me via SMS. The only other option was to pay online but the portal doesn't allow payments less than £1.00 but also doesn't allow to overpay, as it will put me”

“Have I done everything right to not be charged interest? Based on what you described, yes, unless it’s some non-standard predatory card with atypical terms. What card is this? I made some payments that went through on 8th or 9th July What exactly were you paying mid-cycle and why? To confirm, you paid the full “statement balance” both months after the statement was issued and before the due date?”

“Why is paying the current balance every 2 weeks not advised?”

“I have been paying off my statement balance for years. I went on vacation and over budgeted, so I couldn't pay off the full card. Instead of paying the full statement balance of $2,532 due for July, I paid $2000. The remaining $532 I paid before August's due statement posted. I was charged $35 in interest for the month. How is that possible for just $532? Is interest really that expensive? This is the Venture X credit card btw. Thank you! submitted by /u/kellyatta [link] &#32”

“Setup payment/overdue alert across any account that receives payments. That'll warn you when something like autopay fails. I always check alert settings right after selecting e-statement for new accounts.”

“They automatically withdraw from my bank account every Thursday. I am trying to pay the remaining balance off today but it says I missed my payment from last week. That’s not correct. Their own receipt section says they got the payment. My bank statement also says they got paid. Customer service foreigners never understand what I’m talking about when I spoke to them just now they said it’s because I missed a payment two years ago….. when I’ve only had this for 7 months….. Anyway, So if I pay thi”

“I am convinced they do everything to make paying by debit a huge hassle, just to force society into opting for credit, so there's more possibility for people to make mistakes on their repayment and incur interest rates.”

““[W]as late payments” != “100% on-time payments.” Perhaps you mean you’ve never paid Amex late, but Amex is allowed to be concern that you’ve paid Capital One 30+ days late on more than one occasion (late payments aren’t externally reportable until that point). Not sure how we might be able to help without a clearer description of your credit history.”

“I would check your credit bureau and dispute if incorrect as the error was caused by the bank.”

“A suspense account only gets used if a partial payment is received and it can’t be applied to the mortgage payment in full. Sounds like you recently had a change in escrow that changed your payment and your auto payer wasn’t updated. The changes to the mortgage platform were made the first week of April. Numerous notices were sent out by mail prior and during the change over as well as online. Also, collections starts auto dialing out when your a week late, so I find it hard to believe you are j”

“I posted on here before about how payment plans ruined me and my entire check is going to pay all of these payments. Long story. I was advised by many people on here to change account numbers and let the accounts go to collections so I can get ahead a little bit and then hopefully settle in a couple of months when I’m back on my feet. I did that but now I’m terrified to put any money in the new account for fear that somehow they’ll be able to take it. Will they be able to roll over to my new acc”

“Banks auto update information for you to merchants setup as recurring charges. This is usually the default and you need ask for them to not use the auto updater”

“I was double charged for an order using the store app. I used the store app the pay and then was asked if I wanted to round up. I said yes and I was asked to pay with my card. I ended up being double charged. I went on the 7/1/2026. The mobile app total was $72.65 but the transaction date on my bank shows 7/2/2026. The card total was $73 and the transaction date is 7/1/202). I’m trying to dispute it was it bank but they’re saying they’re two different transactions because of the date difference.”

“Honestly those are two different problems. Autopay/reminders tell you a bill got paid. They don't tell you how much you actually have left to spend without touching bill money. That's the part budgeting apps are supposed to solve and most of them don't do it well. If she wants that, look for something that just shows current balance minus what's still owed, updated as bills clear. That number is what actually stops you from spending money that's already spoken for.”

“I have autopay on (full statement balance). I’ll sometimes pay it off early just to make my bank account balance “accurate”.”

Still waiting on mine as well

“As the title states, I bought an actual device from Newegg on 7/6 and then Dunkin the next morning; both using Paze as the option to pay but I don’t see a credit for either. Is there a timeline by chance on when they would show up on the statement? submitted by /u/bigtatertotsguy17 [link] [comments]”

“I don’t fully understand what’s going on my self but to try and explain; I got paid last night, made my car payment and transferred the rest to Apple Pay, so at that point my balance was $0. Today I got a notification that my account was above the low cash mode limit. When I opened it my balance was the exact same as my paycheck from the previous day and I can’t see the transactions for the car payment or Apple Cash , but the car payment went through and I still have the money in my Apple Cash a”

“Why is that $234 still pending and is followed up with the "ONLINE PAYMENT" transaction for the same amount back (and the $503 doesn't)? Genuinely asking, since I don't know how the CC side of OnePay looks like.”

“Is that second pic the CC transactions? What's that second payment of $234?”

“Looks like I made a payment for 503.70 and only had $501, no idea why I’d make such a exact mistake though.. (I suspect I had a bit more than that transfer). So why didn’t the money get returned? Here’s screenshots of my checking and CC accounts https://preview.redd.it/qzs89u9u2bch1.jpeg?width=1206&format=pjpg&auto=webp&s=61f3ab0f0bcdc05d4f9f977db02f119c4289bc90 Checking acct”

“Yeah that doesn’t make any sense, I’ve never seen that before. Typically if you choose to initiate an ACH payment, it goes through regardless of what’s in the account. I would keep pushing with your CC to get more clarification.”

“This doesn’t really make sense. How did you make the payment, was it by check or virtually? Your post makes it seem like you made a virtual payment, but a returned check fee would only be associated with a check payment that failed. If it was a virtual payment, they wouldn’t withdraw the funds and then say it was insufficient, they would just overdraft your account because you authorized an ACH charge.”

“You should be able to set the date as reoccurring monthly on a given date of the month on your app. Go to make a payment > choose payment account > select frequency > select monthly > select different payment date > select your start date. It should withdraw on that date each month.”

“You keep saying that your balance was $454 for the entire period of time from June 6 to July 7 which it simply wasn’t. But your screenshot only shows that your balance was $454 at the end of that period (that’s why it’s the statement balance). I’m just saying you haven’t shown any proof that your balance was already $454 at the time of June 20 / before the credit. I’m asking about last month because that’s the proof that would explain all of the numbers to you. Again July Statement Balance of $4”

“I dont understand what you are not understanding. from June 6 to July 7, which is yesterday, my statement balance was $454. That was the balance as of June 20th when I last used my card. 8 days later I redeemed my $126 reward dollars. It posted on my account BUT MY BALANCE remains $454 as of writing this post. Why does the previous month matter if my question is how come my balance has NOT GONE DOWN after redeeming my $126......my question is if anyone knows why, thats all”

“yes i made a payment towards the beginning of the month. after i made a payment and use my card the balance was $454 and havent used it since”

“I went to dollar general today to buy some stuff, I used a Mastercard giftcard that had a a little bit of a remaining balance on it (like 9 dollars) on a 20 dollar purchase and it took money out of my checking account instead? How would it pull from my bank account when I wasn't the one who purchased the card??? And why didnt it just use the remaining 9 dollars on the purchase? I also didn’t use any phone number or anything to sign in for rewards. I had once previously used it at a dollar ge”

“Just a headsup, as you know BofA transferred to a modern autopay system instead of using their Bill Pay UI Unfortunately, the actual mechanics of the autopay hasn't changed, and if you make an early payment for whatever, it'll won't reduce the autopay amount I'm assuming this also affects refunds and the many people getting paze credits, so I figured I'd share that they're still in the stone ages with this submitted by /u/FrostieWaffles [link] [comments]”

“Please help. I paid off a BNPL purchase with Klarna in May 2026. Klarna states everything is paid. Experian credit bureau says its not paid off. I have gone back in forth between Klarna and the dispute platform with Experian (since I cannot seem to reach a live person) over 10 times. This is hurting my credit score by still having the BNPL charge on my credit report when in reality everything is paid off. Please help. submitted by /u/TheZealsAae [link] [comments]”

[PayPal] ★ 1/5 (v8.107.2) — PayPal Mastercard tries to hold your money ransom if you pay your card off in full. I paid my card off 7/2/26 and called today to see…

Thank you - I appreciate this

“Is there anyway to not have a day of the week selected for payment frequency so you can just let the money stack up without it automatically withdrawing? submitted by /u/GoHuskies206 [link] [comments]”

[PayPal] ★ 1/5 (v8.107.2) — They will give you a credit limit and take half of the amount back after a month, messing up your credit, pay off your balance with PP…

“So I have the USBank Cash Plus card with a 1.5k credit limit. I forgot about it the limit since I never went over it and thought I wouldn’t. Well I did please I went and bought a PC but completely forgot about the limit. I can pay it all back and the statement hasn’t post yet (currently there is a pending transaction to pay it) My question is can I still use my card as normal to buy even with limit over? Is there a penalty fee for going over? I don’t remember signing anything. If so can I get th”

“I never consented to Pre authorized debits to begin with, I don’t mind paying the loan my bank is just negative now, I was planning to pay it in a few days.”

“So I got Credit Card X in order to do a balance transfer off of Credit Card Y. The transfer didn’t show initially, so after the card showed up and I verified it still wasn’t showing, I initiated it again. Now both have shown up and CCX shows a balance of twice my balance from CCY. 🤦🤦🤦🤦 I’ve tried contacting chat help for both and unsurprisingly neither ways helpful because they were both probably AIs. I’m wondering if anyone knows… 1) which company I should contact to try to resolve this, an”

“What else should I do? Stop relying on automation. Autopay will fail (as you've learned the hard way) and making payments is something you can't have fail. Making a payment manually is usually a few-minutes affair, if you can't even afford yourself the time for that you shouldn't have the credit card to begin with. Making payments manually will also hopefully force you to check your statement for errors and fraud before you actually make the payment. Banks rightfully expect you t”

“I very stupidly missed two minimum payments on my credit card due to an error (on my part) with my auto pay settings. I have always paid the full statement balance on time for the past 15 years and my credit score was over 780. I have no excuse other than I am a new mom and my brain still doesn't feel like it's functioning on all cylinders. I immediately paid the statement balance today when I realized the error. What else should I do? How long will it take to recover from this? I am bea”

“Is this on the app or the website? New to the card and trying to figure out why some things coded and others didn't after my first statement (some from the same vendor oddly)”

“Ok. One complaint. The card takes a weirdly long time to process your payment. Like even though the payment went through on 7/6 my available credit said it won't reset until 7/20.”

“It's something to be very conscious of. Someone who isn't aware might go out and make a huge purchase after carrying a balance and be dismayed to find they have no grace period. I suspect many people who carry balances don't understand this. I haven't carried a balance in many years but when I had to, I'd mothball that card for 2 months after paying it, and switch to another card.”

“Call them and ask for an extra day. Explain you ran into a bank issue. If you have never had late payments they might offer you a option to avoid the interest. Otherwise you will be charged interest. I won't hurt to ask.”

“Ah. Since you have an active pay over time plan then you need to pay the interest saving balance. Unless you want to pay off the plan right away.”

“Cell phone bill, internet bill, utility bill, auto withdrawals for streaming services.”

“This is embarrassing because it has never happened to me, and I'm not sure what happens now. My credit card was on auto-pay and due tomorrow, but I realized I don't have enough in my bank account to pay the statement in full. I cancelled the auto-pay and instead paid an amount above the minimum, but below the statement balance. I transferred money from my savings account to my checking, and that money will be in my account on Tuesday, so I can pay the rest of my balance. Am I going to st”

“Good to hear that. Its helping to ease my worries. Hope thats the case for me. The car payments were supposed to be in auto draft but somehow i entered the account# incorrectly and have been behind ever since. I'm caught up now but it wrecked my credit score.”

“Did you ever actually setup a recurring auto payment for your credit card? Or was Rocket mortgage just detecting that you had been paying $100 monthly and remind you it was coming, even though you never set it up as an auto pay? Because that is all Rocket Money would be able to do. It saw a pattern, and reminded you so it would not be a surprise, but it has no way of knowing if you actually setup autopay or not. So if you manually made all those earlier payments, then there was never going to be”