Chosen by Asker

if they said you owed BY 10/31 that means you should have sent it in 4 days (excluding the weekends or post office holidays) prior to that due date. On the other hand if you paid at their atm or whatever you needed to get some receipt that you paid. Seems to me a bank has a cutoff time and you need to know what that is and if it applies on weekends as well. Seems you missed the cutoff time. I know my bank has a 2:30PM cutoff time. Capitalone does pull some stuff sometimes but I think maybe they were right this time around. Sometimes if you've done it just once they MIGHT remove that charge if you beg and plead and have never done that before, but I suggest you ask them exactly what time you should get it in next time so as to not incur those charges. Call em.

by sophieb

3 weeks ago

Asker's Rating: 

Look in the back of your statement. My credit card wants the payment at 10am on the due date. Also, you are playing with fire by paying on the due date - especially with capital one. /

by Judy- 3 weeks ago

I have had this issue with capital one myself and called them on it...they reversed the charge.

by Cassandra- 3 weeks ago

yeah- usually you have to pay before a certain time, not midnight. you probably paid after that time.

by I gotz that wicked clown love- 3 weeks ago

I once talked to a credit repair company who would “save me up to 50% of my debt.” Using a figure of $20,000 debt, the rep told me they could cut that in half to $10,000…and their fee was only $13,000. So to have them help me, I’d pay $23,000 when all was said and done! Something to think about…

by anon y- 3 weeks ago

You might want to read when it's due. Call up Capital One and explain. Most of the time they will waive it, if you haven't done so before.

by Robert- 3 weeks ago