Payment holds can happen from time to time on your credit card.
Understanding payment holds
Usually when you make a payment, your available credit is updated with your payment amount immediately. However, sometimes we need time to confirm your payment from your bank account. This is called a payment hold and can last about 3-8 days.
Keep in mind, if your payment was made before 8 p.m. ET on your due date, it will be considered on time, even if it takes longer to clear and to be added to your available credit.
How to avoid payment holds
A payment hold can happen for a variety of reasons, including (but not limited to):
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Making changes in what you normally spend
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Adding a new bank account
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Having a previously returned payment
The best way to prevent a hold on your next payment is to make payments on time—using the same bank account—taking care to ensure your bank account has enough money to cover the payment.
How long does a payment hold impact available credit?
When you've made a payment, your available credit will be updated once we’re able to confirm your payment from your bank account.
With a payment hold, it can take 3-8 days for your available credit to be updated, though it is often quicker.
Why isn’t my credit available even though I made a payment?
Sometimes a hold is placed on a payment to allow enough time for Capital One to be confident that the payment won’t be returned.
Holds are sometimes triggered if Capital One detects changes in typical spending or payment behavior, when new bank accounts are added or if you’ve previously had a payment returned.
Holds can also be triggered for other reasons, such as a mistyped bank account number.